BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-29
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Between the years of XXXX I was charged over {$2000.00} of overdraft fees.

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 2019-10-03
Company: Cheadle Law Firm
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
i am being sued on an account for XXXX XXXX by XXXX XXXX. I lost my job. i contacted the attorneys office in XXXX after mailing my separation notice to see what my next steps were. Spoke to XXXX who advised me i was ahead on my pay schedule from making an extra payment in XXXX. advised her i would touch base in XXXX. a lien was placed on my bank account days later. the attorney has garnished ALL of my unemployment benefits which are not enough to pay my rent. I would have come up with the payment had i known they were going to take everything. i called and asked if not being able to make a payment meant that my unemployment would be garnished. i was advised they usually send garnishment to employer, but i did not have an employer. was told when i called in XXXX to touch base and make a payment when i could. i was mislead. i tried to call the attorney to discuss. was upset as i have no grocery money now and am a single parent with no support. XXXX hung up on me and XXXX  placed me on hold to review my payment history. she never came back to the phone. i stayed on hold until the sytem hung up on me. i have called back and they are ignoring my calls. i have left messages that are also being ignored. i have to work this out with them but they are not talking to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Telecommunications debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was a XXXXXXXX XXXX customer up until XX/XX/2023 when I moved and could not transfer the service. Although I was told by XXXX when I got a new plan that I would not be locked in for 2 years, when I called to terminate the service, XXXX claimed that I had to pay an early termination fee. I already paid the bill [ {$130.00} ] for XXXX so XXXX was to reimburse me for what I paid and send me a final bill. 

On XX/XX/2023, XXXX took money out of my bank account for XX/XX/2023, billing me for services that had been canceled. I called to have them reverse the charge and to ask again for a final bill. I did not receive a final bill in XXXX or XX/XX/2023, despite providing a forwarding address twice in XXXX and XXXX. I was unaware that once you terminate your services with XXXX XXXX, you can no longer access your online account ; so although I tried to log in and see what the final charges were, I was unable to. I called XXXX in XX/XX/2023 to ask why I could not log into the online account and was then informed that once you terminate services, you can no longer access the online account. I was advised to wait for the final bill which would provide me with the ability to pay the outstanding charges. 

On XX/XX/2023, XXXX reported the account as delinquent and sent to collections, tanking my credit score by XXXX points. On XX/XX/2023 when I was notified about this, I called XXXX to ask them why they reported the account as delinquent when I never received a bill and was advised to wait to receive the bill. XXXX stated that they would send the final bill out as soon as possible but that the damage done to my credit already was " not their problem ''. I received the final bill a week later [ it was mailed out on XX/XX/2023 ] and promptly paid the balance. I disputed the collections charge to my account and am still trying to get it removed. This has caused major damage to my personal credit as well as my business credit, which pulls from consumer credit reports. My business credit has now been slashed by XXXX as a result of this.

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 2023-04-04
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:
A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX called me, not on a number listed on my card or the website, to let me know that my account was past due. I hadn't received any letters regarding this and let the representative who called me know that I was going to be making a payment on a specific date. When I went to make the payment, a few days later my credit report was updated with a late payment notification.This all occurred in XXXX and XXXX. 


I also asked for a late payment of XXXX XXXX to be removed as the same incident happened with them, again with noprevious history. They referred me to the credit card company who then referred me back to the credit reporting agency. It was just running in circles endlessly.

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 2022-04-06
Company: EQUIFAX, INC.
State: TN
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 made 3 calls to Equifax... 
call # 1 ) No Answer 2.5 hours, I hung up. 
call # 2 ) I Requested Fraud, got XXXX and spoke to XXXX : explained problem then he says he's not fraud, but will transfer. Spoke to XXXX : again I explained that I went to XXXX XXXX XXXX and XXXX XXXX. I requested a mortgage loan. I signed papers. They are authorized inquiries on my report. I don't dispute them. I explained that I look at house for sale regularly, online, and XXXX I that I like some. I get contacted by many mortgage people when I " like '' or " follow '' a property, but I do not sign paperwork. Once, in excitement about the perfect property for me, i did start paperwork with XXXX XXXX, but I know already from my XXXX XXXX that I am not ready for a house right now, therefore I left that website WITHOUT completing paperwork, yet I see on my credit report that they ran my credit without my authorization. The XXXX XXXX XXXX and the XXXX XXXX are mortgage companies say Equifax, however, I never heard of them and only authorized MY financial institutions to run my credit. XXXX requested a copy of my DL & Soc Sec card to open dispute. 
call # 3 ) Requested Fraud Supv, Mary said she was the highest person I could talk to. I explained that I can't Iocate my Soc Sec card and couldn't wait to get those errors removed since they affect my score. XXXX requested DL & 1099/ W-2 or Police Report or some other report that I can't remember ( started with " XXXX '' ). I informed her that the FRCA doesn't state that I need a report to open a complaint. She said I could use a 1099 or W-2 instead of a Soc Sec card XXXX I have W-2 readily available but wonder why I have to submit this in that I already verified who I am with the computer before I got to her, then verified who I was with her ... Other than to my financial institutions, I didn't give my DL or SS info, why can't they just investigate to remove this? She said that their investigation team requires proof of identity before they start. To me that implied that even though I have already given my Name, SS, DOB, Address that I am not ME... so I implied that I would contact the FRCA to verify if all this is necessary to get these inquiries removed from my report. XXXX said for me to DO WHAT INEEDED TO dDO, but to begin the dispute process I need to submit : DL & 1099/ W-2 -- or Police Report -- or some other report that I was too flustered to write down. 
Please help me get this resolved soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: EQUIFAX, INC.
State: NC
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Rushmore obtained an assignment of an already settled account from XXXX XXXX XXXX XXXX XXXX who I defaulted after serving their COC : XXXX XXXX with a promissory note that she retained but did not credit. My default, invoice and lien is recorded with XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX at XXXX, document # XXXX. The promissory note was obtained by XXXX  well within the 6 month right-of-redemption window ordered by judge XXXX XXXX XXXX ( XXXX XXXX XXXX Rushmore than began unlawfully dunning me for a settled obligation under a new loan number I never signed. Neither Rushmore, their attorney law firm Marinosci Law Group, XXXX  or XXXX XXXX XXXX their ostensible client or the trust they claim to represent, have license to collect in Wisconsin state per 12 USC ss. 1864 and 15 USC ss. 1692 ( i ). Rushmore/XXXX  then hosted an unlawful sheriff sale of the property parcel # XXXX on XX/XX/XXXX. The sale violated Wisconsin code XXXX by posting an alleged judgement settlement amount where bidding might start ( which had already been satisfied with the promissory note mentioned above ) and then beginning for more than twice the published amount. I purchased the property post sale in excess of the bank but the clerk of court dishonored my instrument in writing. According to WI XXXX the debt is discharged. Rushmore, XXXX lawyers and XXXX XXXX  are engaged in criminal theft of real property and RICO violations with XXXX XXXX. I refer this case to US DOJ and FBI for mortgage fraud, grand larceny, identity theft, theft of real property, estate embezzlement and racketeering. I joinder with class action suit based upon FBI case file XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Experian Information Solutions Inc.
State: IL
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 filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2022-03-22
Company: Experian Information Solutions Inc.
State: IL
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:
I recently checked my credit report and came across a lot of inaccurate information. 

Accounts that are inaccurate are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


A total amount of {$26000.00} is reporting that are inaccurate.

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 2023-07-11
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023 an obviously fraudulent transaction taking {$22000.00} from my checking account was allowed by Wells Fargo. I reported it upon discovery on XXXX XXXX. I asked for an expedited inquiry because my partner and I are away from our XXXX, TX XXXX for some months in order for him to receive a XXXX transplant in XXXX, OH. The stolen funds were and are needed to be able to pay our bills over these months. At first I was told that their aim was to resolve matters by XX/XX/XXXX. Then, I was told XX/XX/XXXX. Now I am told XX/XX/XXXX, but they will try and have an XXXX call me in the next few days. To me that means NO XXXX has done anything to clear things up and return my funds. 

I realize that for Wells Fargo, this XXXX be business as usual, but for me this has created a crisis. I closed that account and opened a new one, but have to specifically call and authorize each transaction so that MORE fraudulent transactions are not automatically forwarded to the new account. I could not even get hold of my new account number for some days. They told me to go in to a local branch with my ID, but Wells Fargo has closed every branch bank within XXXX miles of my location. 

Please help me get someone to do something. The check ( for which no check image is available ) was not authorized by me. Does this mean that anyone who has my account and the bank routing number can rob me with impunity? Is there no motivation for the bank to resolve this expeditiously?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-06
Company: Experian Information Solutions Inc.
State: VA
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 have noticed that there are INACCURATE accounts reporting from my report, I have already sent a proper documentation regarding these. Please see attached documents for these accounts I am complaining.

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 2022-10-26
Company: Experian Information Solutions Inc.
State: PA
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, In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

These following names, accounts & addresses are incorrect and are violations to my rights : Name ( s ) : XXXX XXXX XXXX, XXXX XXXX XXXX Account ( s ) : XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX ACCT # : XXXX, XXXX/DEPT OF ED ACCT # : XXXX, These following addresses must be removed : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX, XXXX XXXX XXXX XXXX PA XXXX, 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 instructions.

15 U.S.C 1681c. Section ( a ) ( 5 ) : States that no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) States that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

REMOVE THESE ITEMS FROM MY REPORT AND PROFILE IMMEDIATELY.

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 2023-11-25
Company: EQUIFAX, INC.
State: IL
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Confusing or misleading advertising or marketing

Complaint:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit report effective immediately. I am attaching proof that Equifax has admitted that I was in a victim of the data breach it and Equifax had done nothing please help me delete these illegal accounts from my credit report. I have a letter stating that I have been affected in the Equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: ProCollect, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I Have been in contact with this collection agency for several years. balance of XXXX form vandalism on my home by an employee that worked there at the time.Most recently back in XXXX, I called asking how to set up XXXX semi-monthly payments to pay this debt off. I was advised they had sent several settlement letters to my old address, the most recent one expired 2 weeks before I called. I have called and offered payments to settle they refuse to work with me saying they do not take payments. I sent payments they rejected them .No where on the website does it disclose payments are not an option. I ask for a supervisor they do not provide one. ME and my children are homeless because no one will rent to me because of this. They all want proof I have paid, but again that is not an option,. I updated my address XXXX and they still are sending letters to the wrong address. this is a horrible company taking advantage of people. I have been advised to sue by the state of NV as debt collectors for rent are supposed to accept payment but lack the knowledge to do so. There is no relief, no supervisors I can speak with. They keep threatening to report I am refusing to pay every time i call to make a payment.additionally something needs to be done here, as i have attempted multiple times to pay what they are stating i owe and they keep turning down every payment i have attempted to send them, i do not see how they can say they are sending settlement letters when they are sending them to the incorrect address, and when i tell them that they basically say oh well, this is not how a business should be ran debt collector or not, they should be more than willing to work with people especially since covid and other factors have happened. I want them to either write off the balance or allow me to set up a payment arrangement so i can get off the street. I am in contact with XXXX XXXX XXXX and am filing suit against 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 2018-10-20
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have made repeated attempts/requests for XXXX XXXX XXXX XXXXXXXX XXXX, as well as major credit reporting bureaus to investigate billing errors and inaccurate reporting. I have submitted disputes, made clear to creditor and credit bureaus what the errors are ( which are quite obvious ) and I repeatedly get responses to my disputes that the information they are reporting is " accurate. '' The information on my reports are clearly not accurate, yet all I get are generic form letter  responses stating that info is being reported as accurate. I paid XXXX credit card online in full on XX/XX/2016, checking account/payment info was submitted and accepted in their system and the payment was processed. Later, I see that this payment was " rejected '' ( whatever that means - they have yet to explain this to me ) and that they were demanding payment for " unpaid, late balance. '' They continued charging late fees, interest charges, etc. XXXX XXXX repeatedly reported a number of different dates/months which they claim I was late and they currently state that I was 90 days late in XX/XX/2016 when my first bill/payment was not even due until XX/XX/2016. Please refer to additional documentation for a breakdown of this situation and proof that XXXX XXXX XXXX as well as the credit reporting bureaus have been neglectful in investigating my disputes and have been reporting a variety of inaccurate information. I have never had such a difficult time with a creditor and the credit reporting bureaus - this situation has been frustrating, distressing. I am hoping to receive some help for this issue - which has been going on for approximately 2 years now. 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