BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-19
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
On XX/XX/2023 I was notified that the retreat at XXXX XXXX XXXX in XXXX  XXXX had sold an illegitimate debt to Columbia debt recovery ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ) also known as Genesis debt recovery. The way I found out was I got a notification from credit wise that said that I had a debt sent to collections. Columbia debt recovery never reached out to me and attempt to collect the debt. Had they contacted me I would have told them that I wanted to dispute the debt of approximately {$250.00}. 

Columbias number is ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Experian Information Solutions Inc.
State: AL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX, US DEPT ED : XXXX, US DEPT ED : XXXX, US DEPT ED XXXX XXXX, US DEPT ED : XXXX, US DEPT ED : XXXX XXXX US DEPT ED : XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, 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 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 2022-11-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was a good banker with Bank of America ; I initially got the account during my earlier year of college. Due to my naiveness and trying to be a good friend, I was scammed into depositing a check into my account by a friend, only to find out that the check was fraud. My friend had just migrated from the XXXX so of course they did not have a bank account but they were working, so I believed them when they said the check was from work. I was genuinely surprised to find my bank account closed due to fraud. I have pleaded with Bank of America about this issue but got no help or pardon. I am a hard-working female who is making a honest living, I have no reason to scam a bank nor do I have any knowledge of how to do this, I honestly thought I was helping a friend out. Because of this error, I can no longer open an account with other legit banks. I really need your help as I was a victim of scam activity, with no clue at the time. Please help me if you can!!!

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 2023-02-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Capital One put a hold on a secured credit card that had a credit balance. Acct : ending in XXXX. The charges were ones I had made every month so they were not new or unusual. One of them was for {$1.00}. They failed to notify me and I almost lost my car, health and dental insurance The problem was that they hadn't closed an account I had four years earlier and had a land line on the account and couldn't change it because their phones couldn't text to my cell phone. All the problems started and ended with them. I receive texts all the time so it wasn't my phone and no other vendor has problems texting me. 

I had tried 3 times before to fix this and had spent hours on the phone. This time most people weren't fluent in English and the accent was so thick I could barely understand. I am semi-fluent in Spanish but even their Spanish was hard to understand. When I asked for a supervisor they refused to transfer me and kept repeating that they would take care of it I had to call back 4 times just to get someone that spoke fluent English. 

I spent over an hour on the phone was transferred 6 times and had to repeat the same thing 6 times so I closed the card. 

I even wrote a letter and asked to refund the {$1000.00} that I was owed. 

I am still waiting for the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$870.00} DEPT OF ED/XXXX  XXXX Balance : {$6300.00} DEPT OF ED/XXXX XXXX Balance : {$9600.00} DEPT OF ED/XXXX XXXX Balance : {$4200.00} DEPT OF ED/XXXX  XXXX Balance : {$4600.00} DEPT OF ED/XXXX  XXXX Balance : {$2700.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$3700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-25
Company: EQUIFAX, INC.
State: NJ
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:
This XXXX  is not my account. It is my mother 's account and she passed last year. I've called many times to tell them this does not belong to me. Sent my social and license to prove it isn't mine. No one is doing anything. They went back instead updated the amount owed but kept reporting it on my account which isn't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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 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. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-02-26
Company: EQUIFAX, INC.
State: FL
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:
I am a natural person, I am a living human being, and I have rights under 15 USC 1681. 

Equifax is given by 15 USC 1681, and they violated my rights numerous of times. I demand the accounts listed below be removed because according to 15 USC 1681 : : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX ( account ending in XXXX ) XXXX XXXX ( account ending in XXXX ) -XXXX XXXX XXXX ( account ending in XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Experian Information Solutions Inc.
State: IL
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 see attached document. 

I have not inquired about any credit cards for the month of 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 2022-12-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
i XXXX XXXX am disputing on my own with the help of no one. i have attached my ftc report and disputed please see attached evidence. It has also come to my attention you have willfully negligent, non-compliant, reporting inaccurate unverifiable information, damaging my reputation and credit worthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I found inquiries on my credit report that do not 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 2023-04-19
Company: EQUIFAX, INC.
State: VA
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:
There was a credit card opened without my knowledge or authorization. The credit card company is XXXX XXXX XXXX XXXX. My account was crossed referenced with someone else for a few years so I was unable to access my report. After finding out the account appeared on my credit I reached out to XXXX XXXX to close the account in XXXX. They then reported the account as 30 days late in XXXX after a credit dispute with XXXX also in XXXX, it was updated to closed again in XXXX. I have initiated disputes with XXXX, Equifax and XXXX. There is missing data from XXXX that I brought to the attention of the fraud specialist at XXXX. They allowed XXXX XXXX to report the account was 30 days late on a closed account then they allowed then to close the account again. When I disputed the account I included a FTC identity theft affidavit also.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Creditor Name : XXXX XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX, XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date XXXX XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX XXXX Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX, XXXX XXXX Inquiry Date XXXX 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 2023-04-19
Company: Experian Information Solutions 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:
Improper Use Of 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 explanation
Consumer complaint received 2023-05-24
Company: WELLS FARGO & COMPANY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
The following complaint relates to Wells Fargo who are a " partner '' for XXXX XXXX XXXX and facilitate their foreign currency transactions as XXXXXXXX XXXX XXXX 

In XX/XX/2021 as a customer of XXXX XXXX XXXX I converted $ XXXX into $ XXXX USD which was later transmitted as a wire transfer to a customer at XXXX XXXX XXXXXXXX XXXX with Wells Fargo being the " intermediary '' on behalf XXXX XXXX XXXX XXXX XXXX 

Details of the transaction as follows : XXXX XXXX - XXXXXXXX XXXX  File ID - XXXX Receiving Bank Routing Number - XXXX Receiving Bank Account Number - XXXX Individual Name - XXXX XXXX Effective Date - XXXX XX/XX/2021 Bank Transaction ID - XXXX The transaction was discovered to be a sophisticated fraud and at point of discovery the following occurred immediately : I contacted the FBI Cyber Fraud Team XXXX Police Fraud Department provided a crime reference number I attempted to call the beneficiary Bank ( XXXX XXXX ) who confirmed they could only place a fraud freeze on the account at the request of the sending institution. 

I contacted XXXX XXXX XXXX and they made a formal request to Wells Fargo via the XXXX messaging system for them to contact XXXX XXXX  to secure the funds due to fraud until such time as the matter could be investigated. 

Due to Wells Fargo failing to act the funds were distributed/lost to the fraudsters. 

The XXXX XXXXXXXX XXXX  XXXX has completed a full in-depth investigation into XXXXXXXX XXXX actions during the incident ( as XXXX  comes under the XXXX XXXX XXXX ) and they have provided proof that XXXX  contacted Wells Fargo using the secure XXXX  messaging service requesting a recall/freeze of the funds in a timely manner and they had fulfilled their responsibilities. 

What is clear from the investigation to date is that Wells Fargo FAILED to act on these messages from XXXX  for MULTIPLE MONTHS therefore failing to secure/freeze the funds until such time as the Police Investigation could be completed. 

On this basis I hold Wells Fargo directly responsible for the losses for failing to act on the secure messages sent via the XXXX  message system in a timely manner to limit my losses. 

Please note all evidence including a detailed final response letter from the XXXXXXXX XXXX XXXX XXXX AND all proof of the XXXX messages sent from XXXX  to Wells Fargo and their responses have been attached for full visibility. 

I have attempted to raise my complaint with Wells Fargo directly and I quote " We can't take a complaint from you as you are not a direct customer '' My complaint was originally raised with the FDIC ( Ref. No. : XXXX ) and they have advised that I need to raise it with yourselves directly as you are the appropriate agency for Wells Fargo.

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 2023-06-27
Company: EQUIFAX, INC.
State: FL
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:
XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT. BELOW ARE THE ACCOUNTS AND INQUIRIES " SOURCE RECEIVABLES M. Address : XXXX XXXX XXXX XXXX XXXX WA, XXXX. Date opened : XXXX. Balance : {$8900.00} Inquiries : XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX ( Bank ) Date Opened : XX/XX/XXXX XXXX XXXX ( Bank ) : Date Opened : XX/XX/XXXX XXXX  XXXX, XXXXDate Opened : XX/XX/XXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX  XXXX XXXX  Date Opened:XXXX XXXX  ( Bank ) Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-27
Company: EQUIFAX, INC.
State: CA
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:
See attached. 

I am confused about the reporting of this closed account? Says " XXXX LATE PAYMENTS '' but has a first date of delinquency XX/XX/2022??? This is hurting me right now, as it is preventing me from purchasing a home. 

Correct this or remove this account off of my report completely, immediately. 

If you can not accurately report then I do not give permission for this account to be on my credit profile. 

15 usc 1681 ( b ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 Date Opened : XX/XX/ 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 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 2023-04-19
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries : 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 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 or 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 non-monetary relief
Consumer complaint received 2023-04-19
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I currently receive credit card paper statements from a particular bank for a specific reason. However, I feel that the bank that has provided the credit is indirectly forcing me to select electronic statements by not allowing me to few my statements online. I have contacted the bank today, XX/XX/2023, and asked why I am not given the option to view my statements online without having to enroll in electronic statements? The representative apologized and stated that he would send me the statement via email within 24 to 48 hours. The other credit card companies that I currently have accounts with does not limit my access to the online statements because I have not enrolled in electronic statements. This bank is not consumer friendly and is not giving the consumer the option to view their statements online without having to enroll in electronic statements. If I need to view a past statement for financial reasons, I will have to wait to receive it in the mail or call them and complain about this matter in order for them to send it to me by email, which is not convenient because I will have to wait as opposed to being able to see it immediately.

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