BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-05-21
Company: CL Holdings LLC
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: Account information incorrect

Complaint:
An account with XXXX XXXX XXXX is still appearing on my credit file as a charged off account with XXXX $ written off amount this account was sol to Jefferson capital and I paid this account off the have not validated the debt and I would like the account removed from all three reports immediately my next step is legal action this account has been paid in full over a year ago

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: WELLS FARGO & COMPANY
State: PA
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 often use XXXX XXXX  so I dont really use my card that much but on XXXX I notices charges not made by me through my email I called them to open up a whole new account and dispute the charges some of the charges are in a whole different jurisdiction than me and places I never shopped at. The following charges left my card in over drawn fee : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX They replaced the overdrawn fees but denied my claim with no explanation why. I was wrongfully investigated. I was told by lady I would be credited for the purchases but never did so I called to find out that my claim was denied. Im a XXXX women whos family have passed from covid Im the only person in my little family left and I cant afford to be stolen from please help 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 explanation
Consumer complaint received 2022-11-24
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 i was requesting the credit agencies to remove all fraud alerts from my consumer report i never got a response back nor fraud alert was not removed

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 2022-06-21
Company: Global Credit Solutions LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
sent a certified letter for a request for validation. Gave the company 30 days from the date they received the letter. They failed to validate a debt at my request, which is a FDCPA violation. They ignored my prior request for validation. 
" Estoppel by Silence '' legally means that they had a duty to speak but failed to do so. I will use the Estoppel in my defense. 
They ignored my request for validation of debt.

Company response to consumer: Untimely response
Consumer complaint received 2022-04-23
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: EQUIFAX, INC.
State: RI
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 these accounts have violated my rights Dept of Ed/XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C. 1681 section 602 A states I have the right to privacy also states a consumer and reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I have a checking account with Wells Fargo. I wrote a check for {$130.00} but the amount of money debited from my account is {$1300.00} although the check clearly states that the amount is XXXX and also written in words. I immediately called up Wells Fargo and told this on XX/XX/19. The customer service representative told Wells Fargo said that they will do their best to resolve this although it is a problem on the Wells Fargo end. he gave a claim number XXXX. No email was sent to confirm that there is a dispute on file for this transaction. It has been 2 days now, no one reached out to me. When I tried to file a written dispute, it is not allowing me as it is showing the transaction as pending and debit. It is very fishy without having any absolute written record and no one seem to act on that, I am worried that my other checks that I've issued also would let people withdraw more money than what is written in the check. Since I don't have a way to escalate this further as the customer service representative told I need to call Wells Fargo and they said they would not send a written note to confirm that I have filed this dispute acknowledging this issue. I am worried about these verbal conversations without having anything formally on record when thousands of dollars have been mistakenly transferred by wells Fargo. So, I decided to escalate further to CFPB and have them take action on Wells Fargo so this doesn't happen again.

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 2022-08-19
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX violated my right to privacy. XXXX XXXX disclosed my nonpublic personal information to nonaffiliated third parties. See attachment delivered to XXXX XXXX on XX/XX/2022 at XXXXXXXX XXXX, delivered by USPS confirmation # XXXX, regarding 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 explanation
Consumer complaint received 2022-08-19
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX violated my right to privacy. XXXX XXXX disclosed my nonpublic personal information to nonaffiliated third parties. See attachment delivered to XXXX XXXX on XX/XX/2022 at XXXX am, delivered by USPS confirmation # XXXX, regarding account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following and attached is further proof of XXXX XXXX card theft and abuse. On XX/XX/XXXX, I went in to the Sheriffs office to file the attached sheriffs theft / credit card abuse report against XXXX XXXX XXXX. In XX/XX/XXXX, a reward was offered for XXXX XXXX XXXX the same person in my sheriffs report and listed as XXXX Top Ten Most Wanted for another related incident. In XX/XX/XXXX, XXXX was arrested for False Pretenses and Forgery in XXXX County Mississippi. See attached reports. When researching, I found much more including civil lawsuits. This XXXX XXXX XXXX is the same person referenced in my XX/XX/XXXX sheriffs report that stole from my desk in XX/XX/XXXX. She stole XXXX Card, 2 XXXX XXXX Cards ending XXXX & XXXX, XXXX XXXX, XXXX, my identification, and files including XXXX XXXX, XXXX XXXX XXXX XXXX XXXX account, and file folder of login information with verification questions and passwords. I later became aware of two cars fraudulently purchased in my name. My office was then completely destroyed in XX/XX/XXXX with 32 of water from XXXX XXXX. XXXX XXXX XXXX added herself to my accounts falsely pretending to be my wife or impersonation. The fraudulent XXXX XXXX payments that bounced were not due to my bank institution. It is obvious XXXX XXXX XXXX was a forger, credit card abuser, and guilty of false pretenses as evident in her arrests. Why was the theft and fraud denied until XXXX when cards were already charged off? My credit report information reflecting XXXX XXXX is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX, Santander charged a " Monthly Fee '' from XXXX to XXXX for a total of {$30.00} to my checking account. I called Santander on XXXX to dispute this charge because it's never happened before. I spoke to a representative that said they could do a " courtesy '' by waiving this fee but stated the reason was because I was required to hold a total of a {$20000.00} balance in order to avoid the fee. Considering I had a " {$0.00} '' balance since my last HELOC was satisfied in XXXX, a recurring monthly fee of {$30.00} was never charged to my account. I asked the representative if the criteria changed w/my checking account without me knowing. She said it did not, but proceeded to tell me the {$20000.00} requirement. She failed to answer my logical question on what happened for the past 5 years prior to using it again to pay on a PSL, and the fee was NEVER deducted. She said nothing changed, agreed to waive the {$30.00}, but then said, " now you have been informed of the requirement of holding a {$20000.00} balance to avoid future fees, {$30.00} will be the monthly fee ''. This is an outright UDAAP, and I told her so. This is EXTREMELY deceptive, and makes absolutely no sense, nor did the lack of assistance from the CSR I was dealing with. While she said she understood what I was asking, she continued to say nothing changed with my account ( if nothing changed, why was I never charged this fee before ), and " NOW THAT I KNOW THAT $ XXXX is required, as long as I don't hold that level of balance, I WILL BE CHARGED a $ 30 monthly fee ''. This is the comment that influenced this complaint submission.

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 2022-08-19
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: Reporting company used your report improperly

Complaint:
XXXX XXXX violated my right to privacy. XXXX XXXX disclosed my nonpublic personal information to nonaffiliated third parties. See attachment delivered to XXXX XXXX on XX/XX/2022 at XXXX am, delivered by USPS confirmation # XXXX, regarding 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 2022-06-21
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: Information is missing that should be on the report

Complaint:
My XXXX XXXX XXXX only shows up / reports to only XXXX since XX/XX/XXXX. Not reporting to the other 2 credit bureaus * XXXX XXXX Experian*. 

XXXX XXXXXXXX XXXX XXXX XXXX has tried multiple times to insert the account to XXXX and Experian since XX/XX/XXXX. 

Account # XXXX Credit limit {$23000.00} Date of open XX/XX/XXXX Consumer status - Open Balance - {$0.00} Responsibility joint

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 2021-10-30
Company: CONTRACT CALLERS INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was evicted from my apartment on XX/XX/2020. I was served the lockout notice on XX/XX/2020. On XX/XX/2020 I was incarcerated in XXXX XXXX XXXX for a XXXX and then transferred to XXXX. I got out on XX/XX/2020. By the time I got out, someone else was already renting the apartment I was living in prior. I contacted XXXX XXXX XXXX to advise that I was evicted back in XXXX and that someone else lived there now because they were still charging me. I was told it did not matter who lived there because I never called to shut off service and that I owe everything up until the day I contacted them. I explained that I had no way of contacting them due to my incarceration and offered to send them all the paperwork showing my eviction and incarceration as well as my XXXX  completion. They did not care. 
They have now sent this bill to collections with Contract Callers. I attempted to contact them to work out a settlement but they won't budge. I should not owe anything on this account after XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I sent a certified dispute letter to Experian XXXX/XXXX/2022 # XXXX asking for a method of Verification under the FCRA Section 611 ( a ) ( 6 ) and ( 7 ) I did not receive any information with in the 15 days for accounts .XXXX XXXX Acc # XXXX, XXXX ACC # XXXX and XXXX XXXX XXXX  ACC XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
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: Information belongs to someone else

Complaint:
I have many incorrect accounts on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$810.00} XXXX XXXX  XXXX {$430.00} XXXX XXXX  XXXX {$540.00} XXXX  XXXX $ {$680.00} XXXX XXXX XXXX {$50.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
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: Credit inquiries on your report that you don't recognize

Complaint:
I went to the car dealership I said I wanted to apply for a car and they said they were only going to do one inquiry and ended up being way more the one inquiry. 

XXXX XXXX XXXX OF XXXX XXXX XXXX XX/XX/XXXXL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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 2022-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-05-21
Company: Factor Trust
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: Personal information incorrect

Complaint:
Hello CFPB, The address that is currently displaying on ALL of my credit reports is WRONG, incorrect and is a potential serious identity fraud risk! 

I'm hoping you can help me with fixing the address that is showing on all of my credit reports. 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX I have lived at this address for over 2 Years, so I don't understand why the information is displaying incorrectly on my credit report. 

I want to assert my legal right for 100 % of the information on my credit report to be fully accurate. I don't know the law or FCRA statute that protects this legal right, But I know it exists. 

I am quite concerned to get this fixed ASAP. 

I have sent multiple letters to the Credit Bureaus requesting they correct my address. 

To date, they have NOT corrected the problem. 

I request that ALL Credit Reporting Agencies, ( including what many people call the sub-bureaus or data furnishers ) to immediately correct my address ... OR ... if they are not able to display my current address correctly due to a limitation of their technology systems... 

... Immediately remove ALL addresses that do not EXACTLY MATCH this one. 

I would rather have NO address listed at ALL on my credit report, than to have the wrong address listed! 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX There is a similar address in the neighborhood that is NOT CORRECT aka XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX NOT CORRECT. 

I will attach a PDF which includes documents which clearly show my current and correct address : My State Drivers License, Apartment Rental Agreement/ Lease 2 Bank Statements Voter Status Car Insurance I have experienced that computers often auto-populate MY address incorrectly, miss entering the address, aka not including the " XXXX '' in the number, OR the city of XXXX XXXX XXXX My apartment is in XXXX XXXX. 

Please understand that my correct address MUST include " XXXX '' and XXXX XXXX, as listed on my identification documents, otherwise other people receive my personal mail. This could lead to other people stealing my identity. 

Please also remove ANY and ALL Phone Numbers listed on my credit report. 

Please correct these issues Immediately. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: EQUIFAX, INC.
State: NV
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:
The following account XXXX XXXX XXXX XXXX XXXX ( Account Number : XXXX ) ( Account Type : Security Credit Card ) is being reported as late as of XX/XX/XXXX. I have never been late on this account and have had this account since XX/XX/XXXX. Update this account to current Never late as paid on time. 15 U.S. Code 1666b ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Harley Davidson Financial Services Inc
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company contacts me several times a day and claims that they are allowed to call every day if they do not reach someone and also that they are allowed to call every three days after they speak to someone. I have asked them many times why they do not have to adhere to the Debt Collection rule and all they say is that their policy says they are allowed to do it and if I disagree I can have my lawyer contact them.

Company response to consumer: Closed with explanation