BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : 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 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 name : 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 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 2015-04-19
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Some creditor is reporting an inaccurate address/information. I disputed the inaccurate information & it was removed but my credit monitoring reported a new address and the entry is back. 

XXXX XXXX XXXX XXXX XXXX, XXXX be removed indefinitely as I do not live there. Also I want to know who/why this is being reported as my current address so I can investigate any potential fraud resulting from it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
Purchased appliances from Home Depot purchasing appox {$5300.00} on XX/XX/2014. I qualified for a Home Depot credit card, which I used to purchase the appliances. Appliances were bought on a 24 month promotion, interest deferred@26.99 rate. Appliances were held at Home Depot warehouse until I was ready to start my kitchen project and I was unable to go forward with my kitchen project so asked them to return the appliances except for the dishwasher, to just deliver the dishwasher. Home Depot said they would apply it to my home depot credit card and it showed up on my home depot credit card statement as a payment of approx {$4700.00}, even though I never made a payment, but actually goods amounting to {$4700.00} were kept my Home Depot and not delivered. In my mind the promotional amount is now for just {$530.00}, the price of the dishwasher that was delivered to me. I also made XXXX separate purchases later on for approx {$230.00} and {$530.00} on my Home Depot credit card over the 24 month promotion period. Any payments I made were applied to the later purchases first and so the XXXX bal never got paid in time and they based the interest accrued on the original promotional amount of {$5300.00}, so I got stuck with a deferred interest charge of {$1100.00} for the purchase of a {$530.00} dishwasher. I contacted Home Depot credit services ( which I believe is actually Citibank ) and they said that it was reported incorrectly, that they can only go by the info they are given. When I spoke to a manager at the Home Depot store, I was told that I should have cancelled the whole order including the dishwasher and purchased a dishwasher on a new order from scratch. Of course I can not foresee how this is going to play out and believed that Home Depot is operating in my best interest. I opted not to have paper statements and when I went online I am seeing minimum payment due, a small balance, almost {$5000.00} available credit, so am in no way contemplating that I have all this interest accruing on what I consider an unrealistic, fictitious promotional amount of {$5300.00}, you do n't see if you are going online to make a payment. To apply the returned goods and show it as a payment of {$4700.00} is actually fraudulent because that did n't happen, I did n't make a payment, so they can not have their cake and eat it.

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 2021-06-18
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
After being unable to get my annual free credit report online, I was instructed by Equifax to copy my driver 's license and social security card along with a letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. This letter including the aforementioned documentation was produced on XX/XX/21 and mailed via certified mail # XXXX XXXX XXXX XXXX XXXX on XX/XX/21 with a return receipt green card. I subsequently received a letter from Equifax Information Services, LLC requesting the exact same information AGAIN along with their enclosed letter. There was a telephone number enclosed XXXX XXXX XXXX XXXX which turned out to be some sort of non-related sales business. Equifax seems to be attempting to make it as difficult as possible to correct the damaging information contained within their files thereby causing me injury as a consumer. There are laws clearly written to stop this behavior, and I would like to know how to prompt them into compliance or how to file a law suit against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: Recovery One, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have no knowledge of this debt. I attempt to request for contract or any legal documents showing proof. No documentation has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: EQUIFAX, INC.
State: MN
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:
In XXXX of 2018 I requested XXXX XXXX  and Equifax to validate the collections that they have reported on my credit report. XXXX XXXX and Equifax failed to send me any information that the collections belong to me. 

Collections that are being disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hello, I live in XXXX. I have a credit card with Wells Fargo, which I have had for over 10 years. I also have a deposit account ( Checking + Savings ) linked to that credit card. 

On XXXX I received a letter informing me that my deposit account will be closed for the following reason : " Our records reflect that the above-referenced account has one or more account holders with a non-US address on file which does not meet this new requirement. '' The XXXX of the problem : My credit card with Wells Fargo has an outstanding balance on it which I pay monthly. Without a deposit account, I have no way to make a payment on that credit card. 

I work for a XXXX company and am paid my salary in XXXX into a XXXX XXXX account. Once a month, I send yen to my Wells Fargo Checking account and use that to pay my credit card. Without a deposit account, there is no way for me to transfer that payment to my credit card balance. My account will accrue interest and eventually ruin my credit. 

How is this possible? How is it legal for a bank to delete your ability to give them money, and then charge interest on a balance they know you have the means but no procedure available by the bank itself to pay? 

I can not visit a branch. There is no branch in this country. To fly to the nearest branch, I would need to buy an airplane ticket that costs the same as my credit card balance ... with a credit card. 

It should be noted that both my Wells Fargo checking, savings, and credit card accounts have long had my XXXX address attached. They mail my statements here. 

On XXXX I spoke with the Wells Fargo Checking and was heavily pressured and berated to give verbal authorization to close the account. I refused until they could tell me how I can continue to pay my linked credit card product. 

I then spoke with Wells Fargo Internal `XXXX Credit Card Advocacy Group '' ( XXXX ) and expressed the same concern. They created case # XXXX and promised to follow up. As of today, they haven't contacted me at all. 

I am being placed in a situation, designed by Wells Fargo, where they have boarded up the deposit window to my line of credit to let the account accrue interest and fees. It would be funny if it were a joke in a XXXX comedy. 

This is super messed up. Help. 

EDIT : When I set my home address country to " XXXX '' your online form returns error : " Failed to save complaint ''. When I set it to United States, it allows me to send the complaint. My country is XXXX, my state is XXXX, XXXX XXXX and my Zip is XXXX. It is the same as the attached document. The fact that I can't submit the complaint with my address is also... super messed up. Will you actually help?

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 2022-11-10
Company: AES/PHEAA
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:
On XX/XX/2022, I received an email alert from Fedloan Servicing stating I met the XXXX payment for XXXX XXXX and that no further payments were required. I contacted Fedloan requesting a timeliness for this matter to report and they indicated I would be getting a payoff letter once my account was updated by US Dept of Education. On XX/XX/2022 the attached payoff letter was attached to my file. I have submitted this document to XXXX and XXXX and they have failed to report my balance owed as {$0.00}. The statement from XXXX and XXXX show {$0.00} payment due but have an outstanding balance of $ XXXX. I have contacted Fedloan they show my account is closed with them and balance {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
After encountering at least eight different serious problems with this credit card from Citibank -- including harassment and retaliation which included repeated unwarranted instances where my card was not accepted while I was traveling in the U.S., at places I often travel to, for small charges, such as around at {$8.00} at gas stations even after I entered my zip code, and even after I had repeatedly complained that this should not happen -- I decided to cancel my card because I refuse to do further business with a company whose behavior is either fraudulent or grossly negligent at best. I called on XX/XX/2017 to cancel my cad and went through all procedures to do so, and was unequivocally told it was closed. Then weeks later I receive another bill that included service fees and late charges for the annual fee. When I called in on XX/XX/XXXX, to a person with the XXXX, she admitted that the notes indicate the account should have been closed but was n't ; they had no explanation. I have requested call backs multiple times from someone at the executive level who could review this issue, as this is a serious issue of fraud, and of course no one ever has. I received one voicemail message that left the generic XXXX number again ( when I explicitly told them no to do and have only someone at the executive level who would leave a name if i was n't here call ) : when I called them on XX/XX/XXXX, XXXX, Maryland, said the notes did n't even indicate what the issue was, which again shows how negligent they are, I again told them I wanted someone from executive to call me and no one has.

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 2021-06-18
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had several calls from a company acting like the real AFNI Collector 's agency that XXXX XXXX XXXX uses when people don't pay their bill. I called the real number for AFNI provided by XXXX XXXX XXXX and they said for several days now that their system is down. The letterhead I'm receiving is from a fake AFNI collector 's company. I noticed they have a different XXXX XXXX number and a different contact number on the form that XXXX XXXX XXXX has provided me with. The hackers or thieves trying to get money from people are sending out what looks like real bills collecting funds owed to XXXX XXXX XXXX. These are fake bills that they are posing to be the real AFNI COMPANY. AFNI does work with XXXX XXXX XXXX to collect fees not paid on a timely manner. If you don't pay the fake company for AFNI - they somehow put the amount of XXXX on my credit reports. Very serious fraudulent activity going on here. Please help by passing this on. I had done my own research to find all this out! I hope this helps someone out there. DO NOT PAY this if you know it's not your responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: ROBINHOOD MARKETS INC.
State: MN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I accidentally set up auto deposits into my robinhood account and had a reversal due to lack of funds in my account they were attempting to transfer from. Because of this reversal I never owed Robinhood any money as they wait for funds to clear until I can access them. Ive maintained a positive account balance with cash available unspent on any investment. However they refuse to give me access to these funds for either debit card purchases or transferring out into another account. However they will let me make trades with these funds which doesnt help bills get paid. The last transfer of {$200.00} cleared and they still refused to give me access to spend or withdrawal the funds except for trades. Ive contacted the company multiple times and they completely ignore my concern stating I dont have instant access to deposited funds which has been the case for a long while and not the issue at hand. They are causing undue stress and hardships on me by denying me access to cash available to spend anywhere besides robinhood. This has been an issue for over a month being unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Good afternoon, I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didnt have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed identity theft/fraud because I did not give them authorization to run my credit you can see them found attached. Please have these removed asap I tried contacting them and sending letters and nothing was solved. 

These companies are in complete violation of the Fair Credit Reporting Act 15 U.S.C Section 1681 for Unlawfully obtaining my consumer 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 2022-11-10
Company: Account Resolution Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I submitted a CFPB complaint against ACCOUNT RESOLUTION COR for inaccurate misleading information being reported on my credit report. On XX/XX/XXXX still working to validate accuracy of the data furnishers. Well I will start by telling you its been well over 7 months and ACCOUNT RESOLUTION COR has failed to provide me with the original contract with my wet signature that I requested from them. Because this is a fraudulent, inaccurate, misleading account that XXXX refuses to remove due to the monetary gain they receive from selling negative account information on Consumers Reports. 
I been trying to solve this problem for some time with ACCOUNT RESOLUTION COR, they put fraudulent inaccurate items on my credit report without permissible purpose. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. ACCOUNT RESOLUTION COR is not able to provide requested proof of alleged debt. ACCOUNT RESOLUTION COR continues to report inaccurate, misleading, fraudulent items without my permission and the information is not even 100 % accurate. When in fact ACCOUNT RESOLUTION COR NEVER PROVIDED me with the original contract with my wet signature on this fraudulent medical account. Therefore you are reporting misleading false accounts. You violated someone's personal medical information and history when you put someone else medical debt on my report. You violated my personal information by adding fraudulent and misleading information to my credit reports.You can not send a list of medical procedures describing pelvic, and lumbar you are violating medical privacy laws for your monetary gain of reporting negative items. As a consumer I demand this account be deleted from my credit report immediately. Effective yesterday!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Self Financial Inc.
State: AR
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:
It's been over thirty days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment. They have not supplied this information and they must delete the alleged late payments on my credit report. Under Federal Law they had thirty days to complete the investigation, and by failing to do so the item must be deleted from the report as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contacted Experian on XXXX to inform Experian that I am a victim of identity theft. They resolved some errors however theses accounts that do not belong to me remain. 
XXXX  XXXX {$720.00}, XXXX  XXXX {$0.00}, XXXX XXXXXXXX {$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 2022-11-10
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
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 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 explanation