BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
I had an account with a credit card company called XXXX XXXX from XX/XX/XXXXthru XX/XX/XXXX. 

The company will not let you set up recurring monthly payments, they require that you log in and schedule each payment monthly ( this is unusual as all of my other credit cards allow recurring payments. ) When I logged in to make my XXXX payment in XX/XX/XXXX I verified the routing and account number because my bank, XX/XX/XXXX sold to XXXX XXXX and the account and routing number of the bank had changed. 

My checking account information was previously saved by the credit card company so the fields regarding my banking information for payments were populated automatically so I manually changed the payment information. Apparently the field repopulated to the old routing number etc because my payment must have been denied. 

I was not notified that I was late and I had no idea that the payment did not go through. 
This caused my first delinquency. 

In XX/XX/XXXX I called in to make a payment over the phone because I was traveling and apparently the payment was not credited to my account. Again, I was not informed so I had no Idea until I went to make another payment online and discovered the 2nd delinquency. 

I ended up canceling this credit card because of the companies unreliability. 
I would like these delinquencies removed from my account. 

Thank you, 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 explanation
Consumer complaint received 2019-10-30
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX and XXXX UNIVERSITY OF 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 explanation
Consumer complaint received 2019-10-26
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Every single day for the last year, they keep calling me from multiple numbers. Saying I owe money from one of my charged off credit cards. I tell them I dont have money right now and they said we need you to pay at least {$50.00} today can you do that? And I say no I cant because I dont have the money available right now and they continue to harass me and say well how much can you pay today. We need some amount of money today so your account doesnt default and a legal judgment is posted against you. Then they tell me I need to give them my bank account routing number and they will take the money out when I think Ill have it available ( post dated ) and I tell them Im not sure when Ill have it available and Ill call then when I have the money and they CONTINUE to call and harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: Experian Information Solutions 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:
To : Consumer Financial Protection Bureau, Experian is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you

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 2020-02-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello this is to dispute the charge to my account. We deposited {$310.00} your machine accepted {$300.00}, but did not give us any money back only this receipt saying we deposited {$300.00}. Then Boa bank of America took the {$300.00}, credited it back, took it again, credited again, and now closed the case saying they never found the money in the atm and are going to take the {$300.00} out of my account on XX/XX/2020. The lady on the phone said she will place a 14 day hold and to go into the branch office and have you submit the receipt to re open the case. I would like them to check the video footage. Otherwise I will be obtaining a lawyer because you can not just steal money like this. 


BOA then took my money out of my account on XX/XX/2020 and never placed the 14 day hold on my account. I now have an overdraft of - {$230.00}.

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 monetary relief
Consumer complaint received 2017-12-10
Company: GREAT LAKES
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In 2015 I agreed to a debt consolidation with US/DOE for my account that was in collections, to be payed current and removed from collections. Total ( {$6500.00} ) Which was broken down into 5 accounts.

The agreement to settle the debt and remove the account from collection was to make 10 months of on time payments then the debt will be consolidated as one account and all negative accounts would be deleted. 

I made my 10 months payments on time as agreed and proceeding the interim four out the five accounts were deleted and removed, then consolidated into 1 new loan. One account remained with negative remarks on my credit report. 

This was an error and the one negative account continues to remain as a blemish on my credit report, that is deterring my goal of owning a home. With the loan being paid and current as agreed I 've contacted the US/DOE to remove this account as they said they would but to no avail thus far. ( This account remains with {$0.00} Balance )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am submitting a complaint about experian credit reporting agency. I just received my credit report again and I went to re-dispute information on there that is incorrect. Experian will not allow me to re-dispute the information. I have XXXX accts that are held with XXXX bank ... .XXXX. I was told by experian a few months ago that I need to contact the bank directly. I contacted the bank and it was confirmed that my accts were not late and should be showing as satisfactory on my report. I received XXXX seperate letters for each credit card company. I sent in the letters as proof and all they did was fix my express account and put that to the satisfactory where it belongs. As far as my XXXX and XXXX cards they are still listing as negative. This has been going on for months as it is affecting my score which is giving me a hardship in obtaining credit etc. I am annoyed that experian will not let me re-dispute the information. This is completely wrong. This is my credit and information on the report is INCORRECT and they are doing nothing about it. I have provided substantial proof probably 4 times already. My question is why would they finally fix my express account and not the other XXXX being all XXXX cards are held by the same bank. This information should have been corrected all at the same time. It just proves to me that they do not do a thourough investigation and do n't care about me sending them the letters from commenity bank telling them these acct 's were not late and they should show as satisfactory. I also had identity theft done with a XXXX card and XXXX XXXX. I contacted XXXX directly as well ... .i filled out the investigation report XXXX sent me and received confirmation after there investigation it was identity theft and the information should be removed from my report. ( which it is ) however the XXXX XXXX acct that was opened as a result of identity theft they are doing nothing about. Experian just keeps updating the information. I am beyond fustrated as this is my credit and not there 's and it is affecting my score.

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 2022-05-05
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I had a problem with another company XXXX  charging my account so I called Wells Fargo to dispute the charge. 

Now Wells Fargo has locked me out of my account and they are claiming that I did not sound like myself when I placed the phone call yesterday! What I think happened is the bank is retaliating against me because I was angry by the time I got through their endless maze of a phone tree! 

This started XXXX at XXXX - I spent ALL DAY long and placed over 100 phone calls to their customer service which kept ringing to the Philippines XXXX to agents who do not speak XXXX and are not able to help. They kept claiming that their system was down and not able to help. Now today they are running me in endless circles of 1st telling me I have to go into the branch, then they will say no we can help, but then never do. 

They are playing games with including pretending they can't understand the card #, claiming I am using abusive language and then hanging up on me, becoming irate when I become upset on the phone. 

I have been locked out of my account for over 24 hours and their customer service representatives are telling me it that it all depends " on how I treat them whether my account will be turned back on or not '' The level of insanity in dealing with this bank is obscene.

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 2016-03-28
Company: Security Credit Services, LLC
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I monitor my credit report on a monthly basis and it appears that a company other that the original creditor is attempting to collect a debt. I was not notified via email, phone, and by mail to inform me of this proposed collection. I have never interacted with this company. A letter of validation was sent to company. I did not open any account with Security Credit Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the XXXX Credit Bureaus in an attempt to receive verification of the following items. 


XXXX/XXXX  Account Number : XXXX XXXX/XXXX  Account Number : XXXX XXXX XXXX  Account Number XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
IQ Data XXXX - XXXX XXXX received bill for carpet cleaning from apartment. When asked to do a walk through I was refused. And told I would not owe anything if I did they would send a final bill. They never mailed me a bill. She claimed she sent me an email, but could not produce a copy of the email. When I asked the collection agency what the collection was for they could not provide me a bill summary and the collection agency then knocked my credit score from above XXXX to XXXX. I would have paid any bill I owed, but did not deserve to have my credit destroyed. When they contacted me in XXXX I simply asked them for why i was being charged so much they never produced a bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
Paypal refuses to refund a purchase that I have proved was a fraudulent transaction of a product I could not use. 

I used my Paypal account to purchase a ticket to an event in the XXXX, from a website called XXXX believing it was an authorized ticket seller. When the ticket arrived it was in someone else 's name and I had paid 3 X the face value. It was a scalped ticket. I filed a dispute BEFORE the day of the event to attempt to get a partial refund and because the ticket was not in my name. The vendor did not respond in time, and eventually paypal closed the dispute without even advising me via email. 

Online the dispute explanation cited : " The item violates the PayPal Acceptable Use Policy. It 's ineligible for PayPal Buyer Protection ''. When I called to have this reasoning explained the representative said " oh you can ignore that, its just a standard response that does not relate to your claim. Your claim was denied based on the fact that the vendor says the ticket was still usable ''. Strange to publish a reason it was denied, but then explain that was not the reason. On the day of the event, I was unable to use the ticket as the vendor checked my ID and the name did not match my ticket. They denied me entry to the event, confiscated the ticket and told me to check their ticket terms and conditions. When I did I saw that they do not permit 3rd party ticket sales or their tickets to be resold on the internet. Paypal does not offer the capacity to submit a NEW dispute on a charge, so I was forced to APPEAL the original dispute/claim, even though it is actually a new dispute. I advised them of the following : 1. I went to attend the event and was not admitted as they checked my ID. 
2. The basis of Paypal 's last determination was that the ticket was still valid, regardless of the name on it. 
3. This has been found to be untrue and incorrect. 
4. When I questioned the event organizers who were not admitting me, they advised me to consult their website for the ticket purchase terms and conditions. 
5. I did so, and found that the vendor XXXX with whom I engaged in this transaction was violating the terms and conditions of the ticket sales from the issuer, and therefore sold me an unusable product, in a fraudulent transaction. 
6. I uploaded a PDF with a highlighted paragraph from the ticket issuer website pertaining to resales. 
This is the link XXXX 7. I use Paypal for such transactions as I believe it provides me protection from fraud 8. I expect this amount to be refunded, and retrieved from the vendor in a timely manner. 

The claim was denied by Paypal with only this explanation : " After careful consideration, we 're unable to decide this claim in your favor at this time. '' This process and outcome is not acceptable to me. Paypal has engaged in a fraudulent, cross-border transaction, and refuses to refund my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-17
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Credit Bureau is in violation of FCRA and has not verified the original signed contract with my signature on 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 explanation
Consumer complaint received 2020-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/XXXX Bank of America closed my account ( account number : XXXX ) and sent me a cashiers check for {$17000.00}. I had a total of {$34000.00} in my account when it was closed. They kept {$17000.00} that was granted to me on XX/XX/2020. I wired XXXX into my account from XXXX XXXX on XX/XX/2020. On XX/XX/2020 a company called XXXX illegally debited {$17000.00} from my account and Bank of America froze my account and disputed the funds. On XX/XX/2020 I wired {$17000.00} from my XXXX bank account. After the investigation was complete, a permanent credit of {$17000.00} was placed into my account on XX/XX/2020 which made my total balance {$34000.00}. I withdrew {$5.00} on my account XX/XX/2020 and on XX/XX/2020 my account was closed and they mailed me a cashier check for only {$17000.00} and they kept {$17000.00} that was given to me from the dispute department. A Bank of America rep named XXXX from the account closure department placed a hold on the {$17000.00} and told me he was keeping the funds. His phone number is XXXX. Bank of America risk department phone number is XXXX. They are refusing to give me the remainder of the money in my account and are trying to permanently keep it for themselves and possibly spilt it. It is clear where the money came from and who it belongs to but they claim they dont know who the funds belong to. So I attach all the bank statements, XXXX XXXX wire receipt and Bank of America dispute letter stating that the funds permanently belong to me. On XX/XX/2020, Bank of America told me that XXXX XXXX has to recall the funds and send over a hold harmless letter. XXXX XXXX did a wire recall 2 times and Bank of America denied it because they said the Bank of America account is closed and there were no funds to send back. On XX/XX/2020, XXXX XXXX corporate security tried to recall the funds from Bank of America back office and Bank of America said that they dont have any funds to send back.

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 2020-04-07
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CMRE collection agency put a collection account on my credit without contacting me, nor letting me know who the original creditor is. I sent written request via certified mail asking them to validate the debt. They refuse to provide validation yet they continue to report the erroneous account on my credit. CMRE are in violation of SEC. 809B OF THE FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: SC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Again today We had to send an document that had been previously sent many times. This is causing financial hardship on my mother. She is XXXX and has been trying for three months to get a modification with SP Servicing XXXX Loan number XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: P.S.C., Inc
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Puget Sound Collections ( PSC ) is attempting to collect a debt that is invalid and previously paid. I have offered on numerous occasions to settle this alleged debt despite previously believing and now knowing that the balance had been previously paid. PSC has reported this alleged debt to the credit reporting agencies and caused me economic harm. Attached is a letter from them, a letter from the original creditor, a letter I sent them explaining how this has been paid and supporting bank statements. PSC has engaged in a pattern of deceptive behavior when I have attempted to ask them for validation of the debt they have sent me a multitude of conflicting account numbers and inaccurate service dates. I believe that they have not attempted to validate any of the debts as they are legally obligated to do so. Further, they have previously regened on promises to myself to remove this from my credit report, another practice that seems to be happening repeatedly. I believe they are engaging in a pattern of abusive practices as evidenced from complaints at the better business bureau. 

PSC has also previously offered to settle this matter with me for full payment and agreed to remove it from my credit report while on the phone with XXXX. She additionally stated they would send me a letter to the same effect and never did. When I called in subsequent to that they have told me that " its against office policy '' to remove entries from people 's credit reports. This same kind of behavior and worse is easily found on the XXXX for this business. This company is an example of the worst behaviors of debt collection agencies.

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