BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-09
Company: Unifin Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX I received this letter from this company about a debt that they perceive is owed, I sent them a letter stating that I want proof of this debt based on the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. I sent the letter certified and they refused to accept and sent me back my letter of dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
In 2018 I opened a business bank account with Wells Fargo as well as set up a merchant account with them. There was {$20000.00} in my account when the merchant provider informed me of a charge back of {$2500.00}. They said they would have to hold my funds for 90 days to ensure there were no more charge backs to pay out and then they would release the funds. I have yet to receive any of my funds back from Wells Fargo. After numerous attempts and not being able to speak with someone, I moved on as a victim of Wells Fargo and their merchant provider.

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 2021-09-14
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an email a few weeks ago congratulating me for opening a new TD bank checking account. I reported the email to their claims department and heard nothing back. I kept receiving emails about my new account, and I finally called TD bank when I did not get responses to my concerned emails. I spoke with TD banks fraud department and they told me I am a victim of identity theft and need to file a complaint because my social security number has been compromised. They said they would be closing all accounts on their end but now I am very concerned about my information being stolen or used.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-09
Company: JPMORGAN CHASE & CO.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I have been a victim of a scam that tricked me to wire money overseas from my Chase saving account. At the time, I didn't know that I had been scammed. I had no relationship or knowledge of the recipient. The scammer impersonated an FBI agent asking for money to be wired internationally to be in a safe account. They made me believe that my identity was stolen and that someone opened dummy bank accounts in my name ( not realizing that they were stealing my identity as it was happening ). 
I sent {$160000.00} to XXXX XXXX in XXXX on XX/XX/2021. The scammer informed me that the money was not received by the recipient and there was a problem and that I needed to request a wire recall. I contacted Chase customer service the following day on XX/XX/2021 and the person I talked started a case and stated to check back in 2 days. When I called back, the told I have to send secure msg through the app. I went to the branch where I sent the wire and they didn't help. I eventually sent the msg through the secure app. The respond I received " msg received, will get back to you in 24-48 hours ''. Then their response has been " we sent swift code to the recipient bank and didn't receive a response yet ''. Ultimately they closed the case. Once I realized the scam and reported it the police, I called back customer service and they re-opened the case. Again they Chase through secure message claimed that they sent Swift msg to XXXX XXXX in NY and didn't receive a response. At one point, when I sent an inquiry about status, they stated that XXXX in NY is helping them to connect with their branch in XXXX. It seemed like the messages I received from Chase were not consistent neither helpful. Not sure what to make of a bank not receiving a response from another bank ( whether positive or negative ). To this date, Chase couldn't and didn't tract the wire to tell if it has been cashed or not. The way Chase handled this was very upsetting and extremely unprofessional and frankly unethical. If Chase had acted on the wire recall immediately within 24 hours as I requested, the money should had been back.

Chase neglected to do its job and committed grave and inexcusable negligence. Now as of yesterday, they decided to close the case claiming that they didn't receive a response from XXXX in NY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Spring Oaks Capital, LLC
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
This is a credit card account that I had know ideal existed until a bill came in the mail. I contacted the company to dispute this account all the time most people receive these letters in the mail from credit card companies I told them someone mustve taken the mail and filled out the information and received the card without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
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 information incorrect

Complaint:
XX/XX/2023 XXXX responded to a complaint via the XXXX  that a my vehicle was charged off because that account was in default not because it was discharged. Yet, XXXX XXXX XXXX is retiring a charge off on my consumer reports which is inaccurate reporting because of a charge off is being reported then that must mean a 1099C form was filed. Of a 1099C form is filed that debt, according to the IRS becomes ordinary income. INCOME cant be reported on a consumer report. If they are reporting a charge off but did it file a 1099C form that is FRAUD. I requested the 1099C form and they refused to send it to me. A 1099C form would make the charge off reporting INACCURATE. 

Furnishers of information ( XXXX  ) have a duty to report information to a consumer report with maximum accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Citizens Bank refused to investigate fully my disputed transaction. I reported a transaction that I did not make but Citizen Bank refused to give me any documents supporting their decision. The transactions are made on XX/XX/2023, posted date of XX/XX/2023 from XXXX XXXX for XXXX $ ( charged twice ) which I do not have an idea about. There was also a charge of {$34.00} from XXXX from New Jersey which I did not make since I live in New York. I called Citizens Bank numerous times but my complaints were ignored.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/20 i called XXXX XXXX XXXX and gave them my Account number on my credit file. they gave me a number to their legal department. i called then i gave them my information they acknowledge i filed for bankruptcy. then they gave me another number to call, called numerous times and left a message to get back with me, no one got back with me. prior to that i disputed my case with XXXX more then once uploaded all legal documents. the dates XX/XX/20 XX/XX/20. they sent back false information to XXXX and said my case was accurate as i still owe them the debt. thats not true my bankruptcy is discharged. i disputed bankruptcy petition and discharge and my account is still open. i also disputed with other accounts on my documents upstart, wells Fargo and member source credit union XX/XX/20. the disputed was for to update to bankruptcy discharge chapter XXXX no results. showed all documents also. file disputes XX/XX/20 to update bankruptcy chapter XXXX discharge with XXXX XXXX and XXXX for the account wells Fargo and upstart. i did not contact wells Fargo, upstart or member sources credit union just disputed them no results. by law with legal document my rights are being violated. all accounts should show bankruptcy discharge chapter XXXX with {$0.00} balance. 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 non-monetary relief
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: CO
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:
In 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 an account without my written instructions.

I have sent 3 letters for a 3 credit bureaus on XX/XX/23 and have not gotten a response. The open dates are inconsistent on all 3 bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: Experian Information Solutions Inc.
State: RI
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:
These companies ran my credit without my knowledge 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

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 2023-05-26
Company: MOHELA
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I submitted my Temporarily Expanded Public Service Loan Forgiveness application to Federal Student Aid on XX/XX/XXXX, more than a full calendar year ago. In XX/XX/XXXX I was notified by FSA that my loans and employer were eligible, and that MOHELA would be my new servicer to complete the public service loan forgiveness process. Not hearing anything from MOHELA for 4 months after that, in XX/XX/XXXX I called MOHELA and was told my case was " on the cusp '' of being resolved. In subsequent exchanges with MOHELA, they say that they have not yet received my loans. I emailed FSA to inquire about this twice, once on XX/XX/XXXX and again on XX/XX/XXXX. Both of those email inquiries remain in review. Meanwhile, in checking the MOHELA web site, I am unable to upload documents related to my case and I have received no direct answer to my emails informing MOHELA that their site contains this crucial glitch, making it impossible to submit updated documents electronically. I understand that there is a historic volume of loan forgiveness requests, but this has been going on for well over a year and at this point I dont even know the current status of my loans/TEPSLF application. I am anxious to get this resolved because every month this continues, I am docked another loan payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: Experian Information Solutions Inc.
State: RI
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 XX/XX/2020 Status of payments is incorrect. 
I closed this account and do not want it on my credit report anymore. The payment status is incorrect. It states that i did not pay on time for multiple months which is not accurate. It has since hurt my credit score. This being on my credit with incorrect information has made it very hard to get new loans when i have current on time payments for the past XXXX loans i have had for new cars. I have been trying very hard to work on my credit to build it. This has nothing but a negative impact on me. I have tried multiple times to dispute and have XXXX XXXX XXXX fix this as well as the credit agencies, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI 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 2023-07-07
Company: Experian Information Solutions Inc.
State: NV
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:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

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 2023-12-07
Company: EQUIFAX, INC.
State: TX
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:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-06
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I called Experian yesterday XXXX and cancelled my membership. That evening they tried charging my bank account and all the money wasn't there and my bank charged me {$1.00} for that transaction. This morning I called them and had to cancel again and got a confirmation number. The number is XXXX. I then asked to speak to a supervisor and she was totally uncaring so I hung up. An hour later I checked my bank account online and learned they had charged my account {$24.00}, after talking with a supervisor and cancelling. I have been trying to call that same number all afternoon and can not get a human on the phone. I have sent at least 5 emails and can not get a response. It said it could take up to 2 days to get a response. I still have not heard from them and the money has not been refunded.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There seems to have been an account opened for XXXX under my name. My identity has been compromised in the XXXX and XXXX security breach as well as others. 

I am not liable for this debt with XXXX and I do not have a contract with them. They have not provided me with the original application like I asked. This should be removed from my credit report account : XXXX. They have no reason to be reporting this on my credit report. Please have them delete this record from all credit agencies. I am a XXXX Combat Veteran of the war in XXXX. I am battling serious health issues and do not need this causing me further duress and injury. I need peace in my life. Please have them resolve this in a compassionate manner.

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 2018-06-20
Company: Navient Solutions, LLC.
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Navient has repeatedly XXXX  up my account. On several occasions I have had to call and have them correct the application of the loan amount. They would overpay some loans and leave others as unpaid so they would collect a late fee. The online account never matches what they say you owe and recently they took more than authorized by me automatically from my account. I am extremely displeased and disheartened with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-11-16
Company: EQUIFAX, INC.
State: WA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigate and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1600.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARDS XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: EQUIFAX, INC.
State: OH
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, Equifax XXXX XXXX are reporting information on my credit reporting fraudulent accounts on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: PA
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:
The credit reporting agencies are still displaying inaccurate information on my credit report. Specifically, one account that was previously removed by another credit consulting bureau is still being reported by XXXX and Equifax. Furthermore, despite filing complaints with both agencies, they have failed to provide a satisfactory resolution and have instead chosen to close the cases after a mere XXXX period. This partial and bias approach to credit reporting raises concerns about the accuracy and reliability of the information maintained by these agencies.

Company response to consumer: Closed with non-monetary relief