BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-20
Company: EQUIFAX, 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 information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XX/XX/23 My credit report shows collections from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state.

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by XXXX mail only. 

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX  to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have. 

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately from my credit report or I will seek litigation for Monetary damages. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
To whom it may concern, We used Paypal as a payment processor on our website and suddenly after six months of using their service, they sent us an email on XX/XX/2022 stating that we can no longer do business with PayPal because we're in violation of PayPal 's Acceptable Use Policy. Also, they held our balance of over {$51000.00} for six months which caused our business many financial hardships. The money has been on hold for over 3 months and we can not wait any longer because we may lose our business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Crow Creek Sioux Tribe
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was try to apply for a loan for {$1200.00} And the online document was ask me to sign And I sign it, and its wasnt showing approved at first. 
So I research other loan company. 
And check my email. 
I suddenly find out the loan of {$1200.00} was approved and gon na send me the money on next day. 
But the interest rate is at 653.44 % If I know the rate is this high I wont even try to apply with them ; and I cant even afford this amount. 

My loan amount is only {$1200.00} The pay off amount is {$6900.00} Is this 653.44 % interest rate is illegal in California? 
Can I sue them? 

Please help me. Im really hopeless

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: TCF NATIONAL BANK
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We sold our property XXXX XXXX XXXX, XXXX KY XXXX with the closing on XX/XX/XXXX. The Title company sent the payoff amount to TCF Bank and the check was cashed by TCF Bank on XX/XX/XXXX, however, the funds have never been credited to our account. I called customer service on XX/XX/XXXX and was told that they had no record of the payment but this could just be because for such large amounts, it is common to place a 5-7 day hold on funds and I was given an email : XXXX to follow up in case the issue was not resolved. I used the secure messaging option in the TCF app to initiate an inquiry on XX/XX/XXXX and included the check number, amount and my loan number but again no resolution was forthcoming. I then sent a detailed demand notice on XX/XX/XXXX to XXXX as instructed earlier and included my account number : Loan XXXX, property address, and amount of the check : {$120000.00}. 
Additionally, I attached a copy of the file check from the title company forwarded to my by the title agent : XXXX XXXX XXXX I asked for a clear resolution and response to the matter by XX/XX/XXXX. On XX/XX/XXXX, another loan payment was deducted from my bank account towards the loan and I received no further response. I followed up with a second email to TCF loan servicing on XX/XX/XXXX, noting that instead of closing the loan and refunding the overpayment I was continuing to have regular payments withdrawn. I also included an actual copy of the check that was cashed by TCF Bank on XX/XX/XXXX providing them with more than ample paper trail to appropriately credit the payment to my account and close the loan plus refund my overpayments. Unfortunately, we have had no response or demonstration of concern or customer service. I am asking for your assistance to appropriately credit the amounts paid to close this loan and refund the overpayments in a prompt fashion. I am very disappointed with the lack of customer service from TCF Bank as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: WELLS FARGO & COMPANY
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
On XX/XX/20, At around XXXX, I XXXX XXXX XXXX attempted to cash my check from the Wells Fargo Branch located on XXXX XXXX XXXX XXXX XXXX XXXX , NM, XXXX. At around XXXX I had called the ( XXXX ) XXXX and spoke with a gentleman named XXXX ( I think ) over the phone. I asked XXXX if it were ok if I had parked my car in the parking lot and could cash my check at the drive through without a car. XXXX told me Wells Fargo would accommodate my needs so I could cash my check. When I arrived at the teller via drive through, with out a car, I encountered and spoke with Service Manager 1 XXXX XXXX Employee ID : XXXX XXXX. Mr. XXXX told me that he would not cash my check despite me explaining to him I was told by a Wells Fargo employee over the phone that Wells Fargo would accommodate my needs to cash my check via drive through without using a car. I also told Mr. XXXX I had waited for an hour and was told it would be ok via phone call and showed him the phone number I had dialed. Mr. XXXX did not cash my check. As I was leaving Mr. XXXX told me I should get a bank account to avoid this issue. Then I contacted the branch again via telephone to see if it were possible for me to schedule an appointment, in person, so I could cash my check. I spoke with a person named XXXX using telephone number ( XXXX ) XXXX. I was told the branch would not cash a check in person and that it would have to be through drive through. I told the person ( I lied ) that I didn't have a vehicle to cash my check via drive through, so how would I cash my check? Their reply was that I would need a vehicle to cash my check. 

I then decided to cash my check via drive through, using my car. At around XXXX I spoke with the same person Mr. XXXX via drive through. 

My issue is this : After speaking with Customer Service over the phone and being told I wouldn't be able to set up an appointment to go in person to cash my check because appointments were not needed to cash a check. 
I was told, via telephone, appointments are only to open/close accounts and or other banking needs not related with cashing a check. At around the end of my recording I mentioned to XXXX XXXX during this whole pandemic people without vehicles will not be able to cash their checks in the lobby. Mr. XXXX didn't reply to my question and referred me to the feedback card. 

The problem with this is people who do not have a vehicle nor direct deposit nor access to a device to take a picture and send via mobile app to Wells Fargo will not be able to cash their checks with the branch.

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 2021-10-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/ My wife and I have a joint checking account at Citizens Bank. On XX/XX/, my wife deposited {$2900.00} in cash at an ATM of a branch office. During the transaction, the process hung, and a teller told my wife she would come out and resolve it. The teller and others from the office could not retrieve the debit card but saw that the cash was deposited. A 'DDA Statement Inquiry ' was printed out for my wife to acknowledge the ATM deposit of {$2900.00} and the balance on the account was updated as such. 

On XX/XX/XXXX, I paid a mortgage. My account should have had plenty of funds in it, but then, to my surprise, I received a notification by email that an 'overdraft line transfer ' occurred. On reviewing my account, I learned that on XX/XX/XXXX, Citizens bank made a 'Debit Memo, DDA Debit ' of {$2900.00}, which is a reversal of the deposit made on XX/XX/XXXX. 

I called a customer service line at Citizens Bank and asked what had happened. After about an hour of confusion at Citizens Bank, the best the person could do was open an investigation. He admitted that there were no notes or records that would justify taking the money. 

A few days after XX/XX/XXXX, I received a letter ( dated XX/XX/XXXX ) from Citizens Bank stating that they completed their investigation and based on the information you provided and the documentation available to us, we concluded that the nature of your dispute is unclear. As a result, your claim is denied. 

On XX/XX/XXXX, my wife went and spoke to the branch manager and asked about the status of returning our money. The manager didn't know what my wife was talking about and did not see any debit of {$2900.00}. When my wife returned and told me, I realized there was a severe problem, took an hour off from work, and went and talked to the manager. When she reviewed the account, she immediately saw that her office had debited {$2900.00} from the account. She had no explanation. She said she would look into it. I asked how long it would take? She said ten days. I said that is nonsense. She said, 'give me two days. ' I did not hear back from her. I called her on XX/XX/XXXX, and she was not available, so I left a message. She returned the call two hours later but didn't know who I was or why I was calling. I reminded her, and she said she would look into it. 

As of XXXX, on XX/XX/XXXX, I have not received a status.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-31
Company: Experian Information Solutions 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:
I have a XXXX account for approximately {$550.00}. I have reached many time to XXXX asking for information to prove this amount is owed and received nothing. They must have a statement or a contract if this is owed but they dont have anything. 

I have requested that Experian credit along with the other credit bureaus to delete this as it is not accurate but this account still remains on my account. 

This doesnt not belong to me and I need to stop reporting to credit report as it had caused me many high interest cards and loans Thanks 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 2021-10-19
Company: Experian Information Solutions Inc.
State: WI
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:
On XX/XX/XXXX we spoke to XXXX XXXX XXXX XXXX about leasing a vehicle. They were given EXPLICIT instruction to run credit with XXXX XXXX ONLY. Instead, credit was run with a number of finance companies without WITHOUT AUTHORIZATION : XXXX  XXXX, XXXX, XXXX XXXX XXXX, and XXXX  XXXX. On XX/XX/XXXX we sent a letter to XXXX XXXX XXXX to address these concerns as the hard inquires were negatively impacting our credit files. On XX/XX/XXXX we received a written response back from XXXX XXXX XXXX acknowledging this misunderstanding, stating they did not have the capability to remove inquiries from a credit bureau file ; we would need to work directly with the credit bureaus. On XX/XX/XXXX we sent written request to the XXXX, XXXX and Experian to remove the XX/XX/XXXX inquires. A copy of the XX/XX/XXXX response back from XXXX XXXX XXXX was included. To date, the unauthorized inquires remain on our credit reports.

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 2023-10-09
Company: EQUIFAX, INC.
State: CA
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 21st 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19
Company: EQUIFAX, INC.
State: CA
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am requesting inclusion in the Wells Fargo settlement as a result of the CFPB complaint. I was a mortgage customer who was unfairly turned down when I requested a modification to the loan to avoid foreclosure. 

The loan was initiated on XX/XX/XXXX through XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. Approximately one year later Wells Fargo took over the ownership and management of the loan. The property address is XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, NY XXXX. 

Due to a reduction in household income as a result of my retirement and a divorce, I found it necessary to request a modification of the loan in XXXX. Although repeatedly assured that I qualified for one of their modification programs, I was repeatedly denied a modification, from XXXX through XXXX. During that span I was frequently encouraged by the bank to reapply for a modification and then denied. The property went into foreclosure and was sold. 

Had I been told, when I first requested a modification in XXXX, that I did not qualify for any modification program, I could have taken alternative actions to avoid foreclosure and bankruptcy. 

Wells Fargo claimed that the type of mortgage I had could not be modified, and used that as the reason for denying the modification. Despite that denial I was encouraged to reapply for a modification. During my bankruptcy hearing it was proven that the mortgage I had could be modified if Wells Fargo chose to do so. Wells Fargo did not deny this judicial conclusion. 

I have previously filed a complaint with CFPB for this same issue.

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 2023-01-09
Company: EdFinancial Services
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
13 Accounts : ED FINANCIALXXXX Title V, subtitle A, of this Act ( 15 U.S.C. 6801 et seq. ) requires the FTC, along with the Federal banking agencies and other regulators, to issue regulations ensuring that financial institutions protect the privacy of consumers ' personal financial information. Such institutions must develop and give notice of their privacy policies to their own customers at least annually ( except where exempted under section 75001 of the Fixing America 's Surface Transportation Act ( FAST Act ), Pub. L. No. 11494, 129 Stat. 1787, codified at 15 U.S.C. 6803 ( f ) ), and before disclosing any consumer 's personal financial information to an unaffiliated third party, and must give notice and an opportunity for that consumer to " opt out '' from such disclosure. Under the Dodd-Frank Act, this rulemaking authority transferred to the Bureau of Consumer Financial Protection ( except with respect to certain motor vehicle dealers ), but the FTC continues to have enforcement authority. Subtitle A also requires the FTC and other agencies to issue regulations for the safeguarding of personal financial information ; this authority did not

transfer. T he Act also limits the sharing of account number information for marketing purposes.

( 15 U.S.C. 6821 et seq. ) prohibits obtaining customer information of a financial institution by false pretenses. The FTC enforces these provisions with regard to entities not specifically assigned by the provision to the Federal banking agencies or other regulators.

Also, Sections 131-133 of the Act ( 15 U.S.C. 41 note ; 12 U.S.C. 1828b, 1849 ) clarify the application of the FTC Act and other FTC statutes to subsidiaries and other affiliates of depository institutions, and provide for certain interagency information sharing. 
If I have to I will take this to my lawyer to make sure these student loans are deleted because I have spoken with XXXX and told me they would remove these Accounts but nothing was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Bread Financial Holdings, Inc.
State: NC
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:
On or about XX/XX/22, Comenity Bank added a new account to my credit reports that list the credit card as a Bonton credit card. I have never had a Bonton credit card. 

This Bonton card is a duplicate of another commenity credit card called Carsons. Both account numbers end in XXXX and other data are mostly identical. 

Comenity removed the Carsons account from both my XXXX and XXXX reports leaving just Bonton. They have not removed either the XXXX or Bonton account from XXXX. This duplicate reporting resulted in a significant hit on my credit report. 

Additionally, Comenity provided data information on the Bonton reporting that is slightly different than the Carson reporting which results in a re-aging of the account and makes the Bonton account look like a new derogatory account thereby further hurting my score. 

I have disputed this via XXXX with Comenity confirming the Bonton account. Comenity verified the duplicate reporting which is amazing to me that both accounts can be verified when they are duplicates and report slightly different payment histories, months reviewed and activity designators. Additionally, Comenity added a current date to the Delinquency First Reported date which not only makes the duplicate reporting look as though it recently happened but is completely incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-20
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

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