BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: Billing statement

Complaint:
I have a credit card  ( visa ) w  ith Wells Fargo Bank  and my statements are reflecting  XXXX  different interests charges that I must pay otherwise I will never get out of debt with them! I had gone paperless since  XXXX  and it was n't until a company known as    XXXX   XXXX    XXXX  th at I realized I was being charged a fee each month for insurance that did not apply to me, so I requested all of my statements from  Wells Fargo. I  was told that my minimum payment was calculated : Interest rate times new balance plus 1 % of my new balance and when charged additional interest its calculation : Interest rate time my average daily balance.   Since I have not charged on my visa since   XXXX   XXXX   XXXX   my minimum payment and my  Interest  charged are still running neck to neck in which that would be the case since my balance is being charged interest twice! In order to get my visa lower I have to add additional monies in which will thereby would lower my principle balance! Right now I have interest charge d by Wells Fargo Bank o ver {$5000.00}. I am trying to find out if  1.Is this legal and 2. If not would this be classified under RICO?

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 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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

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 2019-10-19
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Wells Fargo sent me a loan cost approximation document and told me over the phone they offer certain rates. I then proceeded with the loan estimate and they ran my credit ( which is over 800 ) and they gave me an estimate nowhere near what they told me or near where another lender was after they told me they would at least match it. 
The representative also didnt disclose that there were buy down points involved and he deliberately omitted the line item which is supposed to show what youre paying for the rate reduction. He just put the rate with the closing costs so you have no idea what youre paying for exactly. Its confusing to say the least and Im a XXXX graduate.

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 2020-07-30
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:
as previously notified, I am a victim of Identity theft

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 2021-06-03
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: Credit inquiries on your report that you don't recognize

Complaint:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT. 

ATTACHED IS THE LETTER REQUESTING REMOVAL OFF THE UNAUTHORIZED INQUIRIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
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 called the XXXX and TransUnion after I purchased a credit report with XXXX on XXXXAfter receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were erroneous accounts on my credit report which are misleading to me. I sent a letter to the XXXX and TransUnion on XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and hoping that these accounts will be corrected. 
XXXX XXXXXXXX XXXX Opened XXXX XXXX, XXXX Balance {$1400.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-02
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:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to

my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinio
n.

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 2017-08-31
Company: STERLING JEWELERS, INC.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
My husband and myself have a credit card with Jareds Jewelers. We have been unable to make our payments and my husband is in the process of filing bankruptcy. We owe a small amount nothing major but Jared 's is refusing to work with us. We are getting calls 3 times a day from them my husband has explained out situation but to no avail we keep receiving harassing calls and they are now threatening us. My husband received a call this morning XXXX XXXX, 2017. My husband stated to the rep that he was unable to talk he was at work, the rep said to him your gon na talk to me now! They keep telling my husband he needs to take the merchandise we purchased back to the store. They are using foul language and are not willing to work with us even with explaining our situation. I do understand they are debt collectors but I believe if they were treating people with a little more respect they may get somewhere.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
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 called the Equifax and XXXX after I purchased a credit report with XXXX on XXXX receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were erroneous accounts on my credit report which are misleading to me. I sent a letter to the Equifax and XXXX on XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and hoping that these accounts will be corrected. 
XXXX XXXX XXXX XXXX XXXX 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 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
Recently, i requested an investigation from all three bureaus of my credit report, and they all said the accounts were verified and 100 % accurate. So I ordered my credit report and found alot of inaccurate, mis dated, invalidated, unverifable and questionable items that your agency didnt make sure it was reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit bureaus reporting agencies stated that these accounts were properly investigated and came back verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C 1681 ( 7 ) method of verification- Description of reinvestigated procedure

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 2017-08-31
Company: Diversified Consultants, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Numerous calls at home and work from Diversified Consultants in reference to a Debt from XXXX. Numerous complaints against XXXX have already been submitted and closed. Debt is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX claimed they will remove the late payment once the debt was paid. As i paid the debt consumer never removed and claimed this is something they do not do. I told consumer to replay the tapes as there agent claimed he would remove such and consumer said they will and never returned my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Transunion is govern by 15 USC 1681. And they violated my rights numerous of time. 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 Transunion written permission to furnish these accounts XXXX XXXX XXXX Account # XXXX DEPTEDXXXX Account # XXXX DEPTEDXXXX  Account # XXXX DEPTEDXXXX Account # XXXX DEPTEDXXXX Account # 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 2019-10-19
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a collection notice from Radius ( 2nd collection agency ) on XX/XX/XXXX. The debtor description listed XXXX XXXX yet I've never had any account with XXXX. I called XXXX and learned that the account was opened by XXXX on XX/XX/XXXX by someone using my old name ( changed in XX/XX/XXXX after marriage ), a fake email address and phone number. I didn't open this account. The account was apparently closed in XX/XX/XXXX at which time XXXX sold the debt in the amount of {$980.00} to Jefferson Capital Systems on  XX/XX/XXXX ( 1st collection agency ). I never received any invoice or collection notice from XXXX or Jefferson Capital Systems. The first time I learned of this was when I received the collection letter from from XXXX. I filed a police report on XX/XX/XXXX and it was approved on XX/XX/XXXX. I've pulled my credit reports and observed no suspicious activity. Through the FTC/Identify Theft.Gov, I submitted all appropriate paperwork and demand letters to XXXX, both Debt Collectors and all Credit/Reporting Agencies. All aside from Jefferson Capital Systems have responded and wiped out the debt/resolved the issue. Jefferson Capital continues to pursue collection of this falsified debt. I have all documentation related to this matter. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-31
Company: ABR Recovery Services LLC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX is reporting on my credit report a collection account that is not mine and/or invalid. The Representative from XXXX harassed me numerous times and threatened to ruin my credit by reporting this account to my credit if I dont pay, even after I explained to her it wasnt mine. 
It seems they are following through with their threat. After my previous complaint they stopped contacting me but still reported this to my credit report. 
I would like XXXX to remove negative reporting from my credit report immediately ; also I would like to be Included in any legal action CFPB XXXX take against XXXX now or in the Future.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: NJ
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:
Equifax responded XX/XX/XXXX to my CFPB complaint XXXX, that the disputed accounts are verified via the creditors. Thats a violation of section 603 ( e ) to have on my credit record any factual information that came directly from the creditor. Equifax also violated FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ) for not sending a notice that I can request a description of methods & procedures used to determine accuracy. I am now requesting specific description of reinvestigation procedures used to determine the accuracy and completeness of the information given. Per section 611 ( a ) ( 7 ) within 15 days of this notice to provide those descriptions of methods and procedures. As Equifax has a responsibility to go above the original source ( the creditors ) of the information to conduct a reasonable reinvestigation under 1681 ( i ) ( a ) and do a independent investigation into my dispute which they failed to do. see : Cushman V. Transunion 115 F.3d 220 ( 3d Cir. XXXX  ). Only the consumer can verify any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
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 contacted equifax about inquiries made on my account. I explained to them that I in the military and I was XXXX from XX/XX/XXXX to XX/XX/XXXX. There is no way that I was able to make credit inquires on my account : XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX/XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: EQUIFAX, INC.
State: PA
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:
My personal information has been stolen, I am submitting my ID, Identity theft report and Notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
CapitalOne offers a referral program, where if you provide a referral link to a friend, and they are successfully able to open up a credit card with Capital One, the referer is awarded {$100.00}. 
In XX/XX/2022, I referred a friend, XXXX XXXX, to open up a CapitalOne Quicksilver card via a personal referral link generated by CapitalOne. However, I never received the stated bonus. 
In early XX/XX/2022, I tried calling CapitalOne customer service about this issue to obtain more information, but they simply told me to wait. It has been another 2 weeks and it has been nearly 60 days since XXXX XXXX XXXXXXXX opened the credit card, yet I still have not received a bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-31
Company: Phoenix Financial Services LLC
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was taken to the emergency room after being bitten by a Brown Recluse spider XXXX/XXXX/XXXX while on XXXX XXXX with the United States XXXX XXXX XXXX. I was billed for this and fought it for years. I gave in and paid ( or tried to pay ) over the phone back in XXXX. I can not find a record of the transaction so I am thinking this may have been a scam or the transaction did not go through for whatever reason. After that I had not heard back from them until XXXX XXXX, XXXX in which I received a debt collection attempt letter. Bottom line is I should not owe anything due to the fact that I was on XXXX XXXX. The attempted collection is from Arkansas XXXX XXXX XXXX for {$630.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EdFinancial Services
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: Problem with personal statement of dispute

Complaint:
In sum and substance, in XXXX to XXXX I attended XXXX XXXX, XXXX XXXX, then XXXX XXXX, the most affordable state schools I could afford under a single parent household. In and around XXXX I paid off my XXXX XXXX XXXX because I had only taken a small loan. But I did not notice that After paying the loan off completely, I incurred a interest for the prior month that totaled {$4.00}. The XXXXXXXX XXXX XXXX system continued to to charge interest on that {$4.00} amount. In XXXX I randomly logged into the student loan portal and noticed the balance of {$27.00} which I immediately paid. As of this date, when I log into XXXX, XXXX, and XXXX they list a total of 4 to 5 Derogatory XXXX XXXX loan accounts, each listing a repeated late payment and derogatory in bright yellow. It's also noted on the credit reports that my student loan information negatively effects my credit. I contacted the federal student loans administration, and was denied a full payment history for my loans, I was only provided with a letter stating my loan is paid off, and the payment history from XXXX when I paid off the {$27.00}. In addition the credit buraus list multiple federal student loans when I only had one account. I have contacted XXXX, XXXX, and XXXX in writing about this in fair and negative information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: Paypal Holdings, Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I contacted PayPal about a scam account I sent money to and because it was a personal payment they were not willing to help me or put the money on hold. How secure is PayPal if they are not willing to help you when you are being scammed through their platform?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-20
Company: Siggi LLC
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Complaint : I do not have a contract with Omni  XXXX   XXXX   XXXX . I am not liable for collected this debt owed of $  XXXX . I am not responsible for this debt.     Desired Outcome/Settlement Charged off as Bad debt profit and loss write off an sold to a third party with no contract.   Desired Settlement : Correction to credit report DELETE FROM CREDIT REPORT

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation