BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-23
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX Consumer Relations Department XXXX XXXX XXXX XXXX, OH XXXX Subject : Unauthorized Hard Inquiries on My Credit Reports Dear Sir/Madam of XXXX XXXX I hope this letter finds you well. I am writing to bring to your attention a matter concerning unauthorized hard inquiries on my credit reports, which I believe to be fraudulent and in violation of the Fair Credit Reporting Act ( FCRA ). I kindly request that XXXX XXXX XXXX ( XXXX ) promptly remove these inquiries from all three of my credit reports. 

Upon reviewing my credit reports, I discovered that two hard inquiries were made on XX/XX/2023, and XX/XX/2023, respectively. I would like to emphasize that I did not authorize these inquiries, nor did I have any prior knowledge of them. These unauthorized inquiries not only impact my credit score but also raise concerns regarding potential fraudulent activity. 

As evidence of these unauthorized inquiries, I have attached screenshots of my credit reports clearly showing the details of the inquiries. I kindly request that you thoroughly review the attachments to understand the unauthorized nature of these inquiries. 

Under the FCRA, consumers have the right to dispute any inaccurate or unauthorized information on their credit reports. According to Section 1681b of the FCRA, entities seeking access to an individual 's credit report must obtain the consumer 's written consent before pulling their credit records. As I did not provide authorization for these inquiries, I believe they are in violation of this provision. 

I kindly request that XXXX immediately investigate this matter and take appropriate action to remove the unauthorized hard inquiries from all three of my credit reports. I also request that you provide me with a written confirmation once the inquiries have been removed. 

I trust that you will handle this matter promptly and in accordance with the law. If necessary, I am prepared to take further action to protect my rights under the FCRA. 

I look forward to your prompt attention to this matter. Please contact me at your earliest convenience to discuss the steps being taken to resolve this issue. Thank you for your cooperation. 

Yours sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Threaten to sue me for the balance from Wells Fargo. They called a year ago as well same thing. I called Wells Fargo and I do not have any debts through them that have not been settled satisfactory When I ask them to send me the information that I need to make sure I have not missed an account they hang up and after the third time they just answer and hang up immediately the number is XXXX XXXX XXXX XXXX. Mans name was 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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-19
Company: The Best Service Co.,Inc
State: IA
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:
I have been trying to resolve this issue since XXXX of 2020. However, The Best Service Company fails to respond to certified letters asking for Validation of alleged debt under FDCPA. Enclosed is a letter that was sent with no response back period. The amount currently being reported is {$420.00}. 

I have been subjected to emotional and physical damages. Under the FDCPA, I am awarded upto {$1000.00} per violation. I have maintained excellent records.

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 2022-02-16
Company: Sunset Management, Inc
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
The amount was loan was 800 and the repayment is over 1,000. They call my family and friends even my job. They showed up at my home when I wasnt home. They call nonstop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Experian Information Solutions 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:
XXXX is sending harassing letter told not to contact back in 2017 per XXXX! Also sent letters to Credit Agencies and Creditors but still negative reporting and having third party contacting me for a debt no longer owed or under contact since 2017!

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 2023-11-28
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
They are allowing people to put my bank account XXXX dollars in the negative. They're also allowing reoccurring charges to my account and I've already spoken to them

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 2022-10-04
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:
n 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 n accordance with the Fair Credit Reporting act Convergent Account # 120156, 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 2023-12-04
Company: DISCOVER BANK
State: GA
Product: Credit reporting 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 writing to express my concern and submit a complaint to DISCOVER BANK regarding the improper use of my credit report and the reporting of inaccurate information on my file. I previously sent a letter to your office requesting an investigation into certain unverifiable account. Despite your assurance of conducting a proper investigation, upon reviewing my credit report, I discovered that inaccurate information persists. The discrepancies include but are not limited to, the date opened, date of last activity, date reported, account status, and payment history. It is disheartening to note that such inaccuracies continue to be reflected in my credit report, despite the initial request for investigation. I believe this situation infringes upon my rights as outlined in 15 U.S.C 1681 section 602 A, which emphasizes my right to privacy. Additionally, 15 U.S.C 1681 section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my written instructions. I kindly request a thorough review of my case and the prompt correction of the inaccuracies in my credit report. Your cooperation in resolving this matter is highly appreciated. I trust that, as a reputable credit reporting agency, DISCOVER BANK will take the necessary steps to rectify this situation and ensure the accuracy of the information in my credit file. I have attached an FTC report with the report number XXXX to support this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: Financial Recovery Services, Inc.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I continuously receive letters about a debt through a collection agency which is not accurate. Theyre saying I owe XXXX  on a credit card debt when my credit limit was not that high.This information is not accurate as well as this is in violation of my Hippa rights. XXXX XXXXXXXX which is the name of the company have tried to contact for over a year about inaccurate information on this 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 2023-10-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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 my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$7900.00} XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$670.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX, I purchased a phone from XXXX using a Synchrony Bank financing service. I set up an automatic payment from my bank to pay the agreed amount each month. Within the first few months, I was assessed a late fee, as my payments were being made too early in the cycle and XXXX posted in XXXX billing cycle, and XXXX posted in the following cycle. I contacted Synchrony, they apologized and reversed the fee, and I adjusted my automatic payment schedule to be later in the billing cycle to avoid this happening again. 

Then, in XXXX of XXXX, the payment was due on a bank holiday, so the automatic payment posted the following day. This resulted in a late charge. I didn't realize this had happened for a couple months, then reached out via their web portal and requested abatement of the first late fee transaction, since all subsequent fees stemmed from that one, but the system misapplied that request to the second assessed fee rather than the first. 

I then reached out multiple times to their customer service representatives, who explained that I had already requested the maximum amount of reversals and there was nothing further they could do. They have since 'closed ' the account and reported it to credit agencies as a delinquency, significantly impacting my credit score. I have continued to pay the original monthly charge on time each subsequent month, but the predatory cascade of fees and interest assessed on previous fees and interest has grown to an outstanding balance of {$400.00}, all stemming from the first late charge and not from any additional borrowing.

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 2022-09-16
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am requesting this myself for you to take necessary action about the errors being reported on my Experian Report. I am so baffled about this situation. I am not connected to any credit company or any of its kind. I have been reaching out to Experian, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. They have provided ZERO VERIFIABLE PROOF. Such a big, XXXX XXXX! You claimed that you verified these accounts but provided no documents. I haven't heard any response from Experian and it made me lose my patience. They have violated Sections 605B and is also in breach of Sections 616 & 617 for willfully non complying and neglecting to adhere to the rules and laws of the FCRA. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they should DELETE from my file : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$690.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX $ XXXX Late Dates XXXX, XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$580.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: Square Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX my boyfriend sent me {$500.00} to my cash app XX/XX/XXXXXXXX. I no longer have access to the phone number associated with my cash app. I had to create a new cash app account XX/XX/XXXXXXXX to even contact support. I tried to get access my old account via email with cash app support. I verified everything they asked me to verify and was still told that for security reasons my request to access my old account was denied and that the decision is final. I repeatedly asked cash app support what steps I need to take to recieve the money that was sent to my account and to have my ticket escalated to a supervisor. They kept stating there is no additional information and that they would close my support ticket. My boyfriend ( the sender ) also put in multiple support tickets trying to get refunded for the {$500.00} since they would not give me access to my account. He was told that I would have to contact support on this issue and that there is nothing he can do on his end. I read under cash apps terms & conditions that when a peer-to-peer ( P2P ) transaction is initiated cash app can hold the funds until the payment is accepted or refused but not more than 14 days and that after 14 days by law they must return the payment to the sender. So we waited 14 days and then my boyfriend put another support ticket in to see why the funds were not returned to him. Today XX/XX/XXXX he spoke to a cash app rep XXXX who told him that since the payment was accepted he could not recieve his money back and that I would have to try to get the money from my account. I have been reaching out to cash app since XX/XX/XXXX trying to get my money. I am not able to get in my cash app to accept any payments nor cash out the balance in there. Once you recieved money from a sender you no longer have to accept the money it automatically deposits in your cash app. So being that this was not the first time he sent me money the {$500.00} would automatically be deposited in my account. I have a picture on my XX/XX/XXXXXXXX account I know the phone number associated with the account ( I just no longer have that phone number ) I have the same bank card and banking information from the account as well. Cash app is telling me that there is nothing they can do and I can not access my old account. Cash app is telling the sender there is nothing he can do to get the money back. So my {$500.00} is just sitting in the cash app platform and that is not acceptable. I need help accessing my money that was sent to me. I can verify anything you need to know. I have emails from me and the sender reaching out to cash app multiple times trying to get a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I submitted a SAVE application, but it's still being processed 55 days later ( at the time of writing ). Meanwhile, I'm still being charged interest while they placed me under an administrative forbearance. I keep getting emails that say my application is still being processed with no further details in regards to any application issues or any actions that are required from me. I have already submitted my recent pay stubs as proof of income. My loans are accruing hundreds of dollars of interest per month while they are having administrative issues with application processing. None of this seems fair or professional.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
Bankruptcy XXXX XXXX-discharged Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX bankruptcy discharged XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: WELLS FARGO & COMPANY
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I bank with Wells Fargo. I am XXXX  year law abiding citizen. In XXXX, I was coarsed by fraudster to wire XXXX USD to a bank account in XXXX. I had to withdraw this money from my IRA. When money reached the beneficiary account, XXXX froze the account due to beneficiary suspected money laundry scheme ( information came from my bank ), which I was not aware of. Once I learnt about this, I requested for a wire recall that XXXX refused to return my money even after several requests. Later another case was filed by me for fraudulent wire tranfer but XXXX again didn't provide any reason to my bank as what happened to my money? My bank refused to intervene and failed to get me more information about where my money is? Is it with the scammers or with XXXX or with government agency? My bank doesn't want to solve my problem. I need to know where is my money as I badly need my IRA money back. I need help from CFPB to hold Wells Fargo responsible for loss of my fund. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: WELLS FARGO & COMPANY
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
WELLS FARGO AUTO ARE REPORTING THE WRONG AMOUNT ON MY CREDIT REPORTS AS OF XX/XX/23 THE BALANCE IS {$11000.00} BUT MY CREDIT REPORTS SAYS {$26000.00}. THIS IS A VIOLATION OF THE FCRA.

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