BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-07
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2014, this debt for XXXX & XXXX appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: WELLS FARGO & COMPANY
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Hi CFPB! 
I extended my credit to Wells Fargo on XX/XX/2021. I requested a line of credit for my small business The XXXX, XXXX in an effort to help me get through XXXX. I was denied the extension of my credit for which I've learned is a violation of the EQUAL CREDIT OPPORTUNITY ACT. I know that I exercised my right to credit in good faith to the bank but I was made to feel discouraged because, according to the banks agent, my credit score was only XXXX. I now know that the XXXX score has nothing to do with my right to access my credit. I was discriminated against by this bank and I have read how WELLS FARGO has had to pay BILLIONS of dollars in fines for the mistreatment of millions of consumers including 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 2022-06-12
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
PLEASE REMOVE ALL LATE PAYMENTS FROM ACCOUNT : XXXX Account number XXXX PLEASE UPDATE THIS ACCOUNT TO : Paid, Closed/Never late. I WAS NEVER LATE ON THIS ACCOUNT, AFTER SPEAKING WITH THIS COMPANY THEY ASSURED ME OF THIS, YOU WERE CONTACTED ON THIS MATTER AND SHOULD HAVE UPDATED THIS ACCOUNT TO " Paid, Closed/Never late. '' WITH NO LATE PAYMENTS REPORTING. SO HOW IS EQUIFAX STILL VERIFYING THESE LATE PAYMENTS IF THE COMPANY HAS NO KNOWLEDGE OF THIS AND HAS CONTACTED THEM OVER 30 DAYS AGO? PLEASE FIX THIS ISSUE IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: EQUIFAX, 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 belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX 1

5 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt It has been 30 days and you are in VIOLATION of this law because I am a victim of id theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and
no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: EQUIFAX, 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:
I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. 
I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting. 
I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts 1. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The following credit Bureaus XXXX and TRANSUNION stated that my accounts were properly investigated but how can that be possible when the information shows that the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. These are grounds for these accounts to be removed as they are violating my rights under, the following LAWS.

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 : States a consumer reporting agency can not furnish an account without my written instructions.

Also the credit bureaus and the creditor have taken more than 30 days to complete there investigation to which no documentation was provided as I requested, the credit bureaus and the creditor have both verified these accounts without providing any proof or documentation.

Both credit bureaus have instructed me to contact the creditor for proof of verification documents as to why and how these accounts have been verified. The creditor has refused to furnish me any documents proving verification of accounts as well as the credit bureaus.

there is no proof being provided these accounts must be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: Loan South Finance & Tax Service of Troy, LLC
State: TN
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On Friday XX/XX/2023. XXXX from Service Loan located at XXXX XXXX XXXX XXXX TN XXXX contacted my XXXX  XXXX to let her know that I needed to get in contact with service loan because my loan was past due. I know theres privacy laws when it comes to these personal loans but they did not have the right to go tell my reference what they were calling me for. I have been an outstanding customer for the past year but this was unacceptable. XXXX have been very unprofessional and I am very upset. Id understand if I was XXXX or even 90 days late but I was only 6 days late. I work XXXX hours a week. Give me time to call back before reaching out to everyone on my list. She called my sister after calling my Job 5 times and cell phone 3 times and leaving XXXX voicemails within an hr.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
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:
I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX XXXX  ( Original Creditor : 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 2022-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
These accounts are not mine. The bureaus failed to verify these accounts and this is grounds for deletion. Accounts ar Debt Recovery, Act # XXXX and XXXX XXXX, Acct # XXXX. The FDCPA and FCRA was violated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The XXXX XXXX promise to remove all past due payments. If I agreed to pay off the account, they never remove the late payments, and it is hurting my credit. 
Synchrony bank is reporting account closed, charged off, sold to a collection agency and still reporting a past due balance which is incorrect and should be removed permanently off my record. This synchrony Bank credit card is a medical credit card which I used for a dentist. By synchrony bank, selling it off to a collection agency violates my Hyppa rights and both synchrony bank. XXXX are in violation of my Hyppa rights. 
The company XXXX is the collections company that bought synchrony banks account and is reporting incorrect dates and amounts. I never gave them authorization to do anything. Therefore, they should be deleted off my report permanently. Thank you for your help with this situation. Hopefully we can get these inaccuracies permanently deleted off my 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 explanation
Consumer complaint received 2021-12-22
Company: CITIBANK, N.A.
State: HI
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 booked a room ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/2021 with CITI Advantage credit card via XXXX with the terms and condition that non refundable unless it is cancelled by XXXX XX/XX/2021. 

The cancellation was completed at the time of arrival at the hotel in person ( XXXX XX/XX/2021 ) due to the inability to provide the listed service due to COVID. 
The letter of free cancellation with no penalty was issued. 

XXXX posted the payment on XX/XX/2021 I attempted to work with the merchant ( XXXX  ) to receive the refund via numerous e mails and hours of phone calls, but the response from XXXX was consisted with the unwillingness to issue the refund and refused to consider the evidences I provided with the letter of cancellation and e mail with the terms and conditions from XXXX, letter from the property manager confirming the cancellation, no penalty, the unauthorized payment transaction, the cancellation time ( XXXX; XXXX XX/XX/2021 VS the posted payment by XXXX on XX/XX/2021 ). 

I filed the dispute charge to CITI Bank on XX/XX/2021, provided all of the above documents proving the cancellation, for the refund, But CITI absolutely did nothing for the consumer, rather demand unfair, unjust and bias demands to consumer to provide the credit slip between the hotel and XXXX which the consumer has no legal right to obtain, and for the payment of the unjustified charge by XXXX, the fraudulent business practice by XXXX that NO REFUND at all cost for their financial benefit. Theres plenty of cases similar to my case on social media.

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 2023-03-10
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Went to XXXX XXXX in XXXX XXXX  in XXXX and School was closed for preditory lending. I was sold on classes that were not pretaining to my corse of study also forced to take the loan knowing full well there was no way I could pay them back. 

A personal loan was taken out with XXXX XXXX, after XXXX was forced to close Navient took over the debt from XXXX XXXX and now requesting payment. 

Since attending I was in a XXXX  XXXX and was never notified of the submittal to settle as my attorney handled all debt, During that time Navient was not allowed to contact me of the debt, Now that the XXXX  XXXX is clear Navient is trying to collect. 

This dept should fall under the pending law suit settlement announced on XX/XX/XXXX by CFPB that Navient settled XXXX in debt cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I want to file this formal complaint to EXPERIAN. I sent them a letter last XX/XX/2023 regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status, incorrect late payments, amounts reflected and etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times.15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2023-09-14
Company: Loan South Finance & Tax Service of Troy, LLC
State: TN
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On Friday XX/XX/2023 I contacted Service Loan located at XXXX XXXX XXXX XXXX XXXX TN XXXX and spoke with XXXX XXXX to let them know that I was highly upset because they had contacted my job 5 times and left a voicemail after I had previously told them that I wasnt allowed personal calls. I also mentioned how upset I was because not only did they call my job they had also called my cell phone 3 times and also left a voicemail after reaching out to my sister to let her know I needed to get in contact with them bc my loan was past due all within an hour. He stated my loan was past due and that there wasnt a grace period. I told him to cease and desist all collections because what they did was very unprofessional and against privacy laws. He threatened me that I would be hearing from his attorney and hung up on me, before he hung up I was going to make my payment so I called back made my payment and asked for a supervisor phone number named XXXX. After the payment I wanted to get my payoff balance and he hung up again before I could ask for my balance and conformation code. He was very rude and unprofessional and shouldnt be threatening a customer especially when I was only 6 days late. I have been a great customer but this was unacceptable. He does not need to talk or threaten anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My Wells Fargo active cash rewards card was charged {$500.00} by XXXX # XXXX. I noticed and reported the fraud a few days later, but the charge went through on XX/XX/. There were several other gaming charges made during that 2 day span including from XXXX which leads me to believe it was the same criminal ( s ). Wells Fargo credited me back for the XXXX charges, but denied the {$500.00} XXXX fraud claim because they said it was using mobile wallet, and the fraud issue isnt with my card, but actually with my mobile wallet. When I asked who I would report the mobile wallet hacking to, they said they dont know. 
Its very clear to me that I was the target of gaming fraud charges in XXXX, NY and my bank did not contact the merchant or do any due diligence to track the mobile wallet fraud source. I feel that my accounts are unprotected. 
I have been a loyal Wells Fargo customer for nearly 30 years, and do not feel like they thoroughly looked into this matter to vindicate me as customer. Based on the payment method used, they washed their hands of my claim.

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 2021-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself. Regardless of the multiple written requests, the accounts listed below are still reporting on Transunion in violation of Federal Law. Transunion failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( XXXX XXXX, XXXX XXXX, XXXX OF XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX CARD XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: Loan South Finance & Tax Service of Troy, LLC
State: TN
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Friday XX/XX/2023. I received 5 calls to my job and a voicemail all within 20 min time frame ( they know I cant have personal calls at my job and had asked them not to contact me there before ) from Service Loan located at XXXX XXXX XXXX XXXX XXXX TN XXXX to let me know my account was 6 DAYS past due after they had called my cellphone 3 times and left me a voicemail to also return their call because my account was past due 6 days. I understand if my account wouldve been 30 to 60 days past due but I was literally only six days past due and they contacted me multiple times within one hour.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
I was watching a XXXX video, published on the XXXX of XXXX, that contained an advertisement for the digital wallet/finance app 'Cash App '. The advertisement stated, " you can use the code XXXX XXXX [ in the app ] and you get XXXX dollars for free. '' This implies that as soon as you download and type, " XXXX XXXX '' into the app you will receive XXXX dollars to spend. I downloaded the app on XX/XX/XXXX under these pretenses with the goal of claiming XXXX XXXX 

After I downloaded the app and typed in the code, instead of giving me XXXX $ the app displayed the text, " Get {$15.00} when you link a new bank account or activate a Cash Card ( people under XXXX only ) and send {$5.00} '' I only learned about the additional requirements to getting XXXX $ AFTER I downloaded the app and typed in the code, and not DURING the initial advertisement.

Company response to consumer: Closed with explanation