BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2020, I sent money with the service XXXX, through the use of the Wells Fargo application. I had contacted a XXXX user who would sell me a phone for {$250.00}. She asked me to pay through XXXX, which I was not very accustomed to. I thought it would be a safe way of completing the purchase since the service, XXXX, was backed by the bank. This led me to think that the transaction would be completed safely. Upon sending the money, the user blocked my account so that I would no longer be able to contact her. After realizing what had happened, I contacted Wells Fargo that same day in order to learn about what I could do under these circumstances. I spoke with a representative that helped me dispute a transaction ; she informed me that I would be contacted with more information about my dispute. I was never contacted and have been waiting for further assistance to understand what I could do to receive the money I lost. I also contacted XXXX which was able to successfully remove the user from the service on XX/XX/2020. I attempted to contact XXXX but I never heard back from them. Up until now, I have been requesting the money back from the user 's XXXX account, in hopes that the user will return it, but she simply keeps rejecting the requests.

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 2022-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
My name is XXXX XXXX and someone stole my identity in a breach

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 2023-10-16
Company: Experian Information Solutions 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:
To Whom this may concern, I have sent in multiple letters regarding this matter, if it's not fix, I'll be taking it to court, I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities. 
Attached are my verification of identity and FTC police 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 2023-05-01
Company: EQUIFAX, INC.
State: MD
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: Investigation took more than 30 days

Complaint:
I have supplied the company with the appropriate documents and they have not responded within 30days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 have tried to get in contact with both XXXX XXXX and XXXX XXXX XXXX XXXX the letters I have sent have yet to produce a response there are multiple inaccuracies on my credits from this company such as date opened, the balance and the date last active. The payment history is also incorrect as well I have never been late with this company I spoke over the phone with a representative and set up auto-pay so how can I be late if it was not drafted Ive tried over and over but still have not gotten any relief I would like the late payments reporting removed from my credit profiles

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 2022-03-27
Company: Bread Financial Holdings, Inc.
State: AL
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 have tried to get in contact with both comenity bank and alliance data card services the letters I have sent have yet to produce a response there are multiple inaccuracies on my credits from this company such as date opened, the balance and the date last active. The payment history is also incorrect as well I have never been late with this company I spoke over the phone with a representative and set up auto-pay so how can I be late if it was not drafted Ive tried over and over but still have not gotten any relief I would like the late payments reporting removed from my credit profiles

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no supplied proof under the doctrine of estoppel by silence, engelhardt v. Gravens ( mo ) 281 sw 715,719 i presum that no proof of the alleged debt nor therefore any such debt in fact therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: SECURITY FINANCE CORP
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Professional Financial Services of Georgia is using bias predator interest loan high interest rates toward XXXX people by threaten them to be sue by their hired attorneys, for a not valid debt owed money {$13000.00} for a vehicle ( XXXX  XXXX XXXX ) that has been repossessed ( Professional Financial Services company of Georgia ) on XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
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: Account information incorrect

Complaint:
Starting during my time as a student at XXXX XXXX  my financial aid/scholarship/grant package changed for reasons unknown to me. As a result, I felt forced to take XXXX University private institutional loans. I felt it was my only choice besides being removed from the University for financial reasons. 
Upon graduating, I began paying these private institutional loans. 
They were placed in deferment when I took some additional classes at a community XXXX, aiming to be admitted to professional/graduate school. They continued in deferment when I entered graduate school. In XXXX, when I was in graduate school and my XXXX loans were to be in deferment, the University placed them in collections. They were placed in default/collections with no warning to me. I promptly contacted the XXXX University Bursar 's office to resolve this matter. They were rude, combative, and insulting to me and my character. 

Despite the fact that these high-interest loans were to be on in- school deferment, they still unjustly placed them in collections. The University claimed that they had contacted me regarding the loans. They provided no documentation of these alleged contacts. Other than telling me they had made contacts. They refused to show any proof, or allow me to talk to a higher level of financial authority at the University. 

One of the reasons I had to withdraw from graduate school was due to the inability to get federal financial funding, due to these loans wrongfully labeled as defaulted on my credit report. Since XXXX to this current year, XXXX, I have been harassed by different collection agencies on behalf of XXXX University. I have been harassed by these parties acting on behalf of XXXX University for XXXX years.This is in spite of my continuous dispute of loan default. One collection agency ( working on behalf of XXXX University ) even contacted me again this year, XXXX, despite my previous explicit instructions for them not to contact me in any manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: MOHELA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/XXXX, my federal loans were transferred from XXXX XXXX to MOHELA. 

The letter from MOHELA related to this transfer was just sent to me yesterday ( XX/XX/XXXX ). 

At the time my loans were transferred, there was a pending XXXX XXXX XXXX XXXX XXXX XXXX ) form that I submitted, demonstrating that I completed by 120-month payments to my federal loans. 

When asking MOHELA for an update on XX/XX/XXXX, they provided me with a generate message, informing me of the XXXX program. I replied stating that this generate message was unacceptable. They also informed me that processing of the XXXX form would take 90 days. 

MOHELA replied again on XX/XX/XXXX, stating that my " employment has been certified through XX/XX/XXXX. Our next step will be to verify qualifying payments and apply the new rules according to the XXXX XXXX XXXX. '' It's been over 4 months, 26 days since my loans from XXXX XXXX were transferred to MOHELA, and I have not received a sufficient update from them regarding the processing of my XXXX form/student loan forgiveness. While I understand that the transfer of loans creates new administrative hurdles, MOHELA 's customer service capabilities are far limited to that of XXXX XXXX as far as getting updates regarding processing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received my American Express XXXX XXXX credit card XX/XX/XXXX statement with an annual membership fee of {$650.00}. This is not a fee I can afford and I called American Express two times on XX/XX/XXXX and XX/XX/XXXX to cancel this card when speaking to a customer service agent and I was told both times this would occur as was being done within the 30 day allotment of time. Today on XX/XX/XXXX I received another statement showing account still open with the {$650.00} annual fee to be due. I made a third call today on XX/XX/XXXX requesting my account be closed as this was my 3rd attempt along with waiving the {$650.00} membership fee. The customer service agents were not very helpful, including speaking to a supervisor and a manager. I was told the account had to be reviewed before annual fee removed and find out the status if I am responsible for the {$650.00} annual fee. Meanwhile this is affecting my credit and still not resolved!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-17
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:
You said that these accounts has been verified and the item belongs to me : XXXX XXXX  XXXX XXXXXXXX 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 XXXXXXXX. Again you have not provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature. I formally request that these accounts be immediately Deleted from my credit file. You stated that you have completed your investigation, including contacting the furnisher of the information, where applicable. You haven't provided me any original documentation bearing my signature from any furnisher. So therefore you haven't done any thorough verified investigation. Please reinvestigate these accounts listed and provide me documentation bearing my signature from the original furnisher and not a XXXX agency. If you can't provide any documetations bearing my signature then DELETE all accounts listed. You have stated that these accounts were verified but how is that possible if you did not do a proper investigation according to the LAW. Also every piece of information on these accounts are still not reporting 100 % Accurate. According to the FRCA XXXX XXXX XXXX everything has to be 100 % Accurate. If no action has not been taken of my request I will contact my lawyer as a result in small claims action against your company, seeking {$1000.00} per violation for XXXX. ) Defamation XXXX. ) Negligent Enablement of XXXX XXXX XXXX. ) Violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: CA
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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2017-05-09
Company: SUNTRUST BANKS, INC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In XXXX XXXX, I contacted Sun Trust with respect to a loan from Sun Trust Bank that I co-signed for my granddaughter ( XXXX XXXX ) and offered a proposed settlement. On XXXX XXXX, XXXX, I received a letter from Sun Trust rejecting my extremely fair settlement offer of {$52000.00} ( original loan {$39000.00} ; interest as of XXXX, XXXX of approximately $ XXXX ) over a period of 14 months. On XXXX XXXX, XXXX, I wrote to XXXX and Trust explaining the reason why I was making the settlement - which included my age and health situations, and that since my granddaughter would not be able to make payments, it was my desire to pay this amount and not have to worry about additional interest later on or my ability to make those interest payments. I filed a complaint with this office ( CFPB ) within the same month ( File # XXXX and XXXX ). Sun Trust responded to the complaint I filed with your office and on XXXX XXXX, XXXX, I received a letter from XXXX XXXX, Vice President, Client Advocacy Management Office rejecting the offer made in my XXXX XXXX, XXXX letter. On XXXX XXXX, XXXX, I wrote to XXXX XXXX asking for reconsideration but have not received a response. A copy of this letter was sent to Sun Trust 's  corporate office and to CFPB. Despite XXXX 's promises, she has never made any payment on this account. In approximately two weeks I am scheduled for XXXX  XXXX and face approximately one month or more of extreme XXXX and XXXX. For 3-6  months I will have XXXX XXXX and I do not want to make any decisions - financial or otherwise during that time. Because of this situation with Sun Trust, I am unable to move on to refinancing my current mortgage because of the defaults listed by Sun Trust ( the only negative on my credit at this time ). My  mortgagor has advised me that my mortgage will likely increase to more than {$2000.00} per month (  which I will be unable to pay ) unless I am able to refinance. These are only some of the reasons I am asking Sun Trust for consideration but Sun Trust has one intent only - to charge and receive interest that would put me in terrible hardship. Based on the rate of interest I would never be able to pay off this account during my remaining lifetime. The total now due is $ XXXX ( {$7000.00} in interest added since XX/XX/XXXX ) and at this point I will not be able to make interest payments only or monthly payments period.

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 2023-10-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX XXXX XXXX I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14,1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-28
Company: Experian Information Solutions Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
in accordance with the Fair Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account:13800XXXX Account : XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account:XXXX Has violated my rights. 
XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604nA section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section States : 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. 168s-2 ( A ) ( 1 ) 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.

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 2023-09-02
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 am formally file to complaint these accounts which are seems to be incorrect. The payment history and date to late payments are inaccurate. I was never late in paying. Under the Fair Credit Reporting Act, Im going to have to request proof of last payment and payment history. The Credit Bureaus are reporting false information and I believe the company is violating of the FCRA. Please assist me to correct the late payments from these accounts. The current status should not be showing late because I paid it on time. The Credit Reporting Agency lacks proper record keeping. The accounts are open and when I requested records to prove theyre reporting are erroneously they have failed to provide me with any evidence.Kindly assist me to correct these immediately. The Bureaus are required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise correct these following accounts immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-27
Company: Block, Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
The company shutdown my account on XX/XX/2022 without any warning or reason after I funded my account {$250.00} using my own bank account with my name on it. I called and tried to get a reason for the closure or how I can get my funds back, but the representative told me the department that I would need to reach could only be reached through email. I contacted Square via online support several times and they won't give me a reason my account was shutdown or how I can get my funds back in a expeditious/reasonable time frame. On my dashboard, it said it would take one business day to get my funds, but it has already been 10+ business days without any resolution.

Company response to consumer: Closed with explanation