BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I had a business checking account that went sideways. The account was closed and there was an outstanding balance of roughly {$2500.00}. This was paid in full last month at a local branch and I was told that this would satisfy the account and the negative reporting would be removed/reversed. I have since tried opening accounts with Wells Fargo and other banks and was declined - Since the negative reporting is still in effect. 

I have talked to two reps at Wells Fargo who basically stated the " I can never bank with Wells Fargo again. '' But this is not I was told in person at the branch. 

Please advise!

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 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX # XXXX, & XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2018-05-05
Company: EQUIFAX, INC.
State: GA
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 had check my credit an found some late payments on my credit report, I have written 4 letter to Equifax requesting a validation or deletion of this in accurate reporting in my credit, they have fail to provide me with proof that i was ever late as is requested by FCRA, they just come back to me saying it was verified by lender but no contact information is provided as : who they spoke with, position of the person, telephone number, duration of the call.

This is a clear violation of the law and they should be reported with FTC, for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: OneMain Finance Corporation
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Back in XXXX XXXX I went to One main financial for a small XXXXXXXX XXXX personal loan including interest fees. I had my XXXX  cosign at the time of loan agreement, I was in returned required to give my vehicle title for lien. I was mislead by one main financial by advertising me to pay off my full loan amount with in the first year and get my full interest back as a refund and my title returned. I paid my loan off in 9 months. I paid over the phone and asked question about when I would get my title back and the refund. She stated that they would both be mailed to me. I never received anything promised. When contacting them again I was told I had to pay to have my title replaced due to them saying it must of been lost in the mail. It is now XX/XX/XXXX with never seeing my interest refund or my title. I ended up having to get a new vehicle financed in XXXX. I unfortunately had a difficult time doing so cause of not having my title. I was required to pay an extended fee to have a replacement title made for me to trade in my vehicle. I didn't know who I could report this to but I'm just trying to get justice for myself and see the money I was promised reimbursed to me.. if there's anything you can do to help please do.. this had impacts on my personal finances, transportation priorities, and even impacted my credit score I was promised would of raised from paying extra and in full early. Thank you..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: EQUIFAX, INC.
State: OH
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:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: EQUIFAX, INC.
State: FL
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:
XX/XX/2021, I went to the car dealership, in which they pull multiple hard inquiries was pulled from XXXX such as XXXX XXXX XXXX  XXXX XXXX AND XXXX XXXX XXXX XXXX Also I was hit with 2 more hard inquiries from Equifax the following XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I have called all lenders they have stated they show no information with my name connected to accounts or loans. I have reach out to the Credit agency, I was told I have to speak with the companies or agency who have reported the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
In accordance with the Fair Credit Reporting Act. The list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  ) # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-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 2023-06-22
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I mailed a letter to midland credit management Inc. on XX/XX/XXXX stating. 
Per the FCRA as a federally protected customer. I am now opting out of any and all authorization I the consumer may have given you written unwritten verbal nonverbal as per 15 USC 6802. This is effective immediately and indefinitely. Also the account mentioned above that you are trying to collect on has been charged off and according to the Internal revenue service, charge offs is considered a certificate of indebtedness which means it is now income. Income is not to be reported on a credit report please remove. You are in violation of my privacy right under the Privacy Act of 1974. MIDLAND CREDIT MANAGEMENT INC you are committing security fraud PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934. 
They have not received any correspondence from them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the account because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Transunion credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$2300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-02
Company: Revenue Assistance Corporation dba Revenue Group
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My company had a contract with XXXX, dba XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX, MS ( XXXX XXXX, XXXX ) to provide pest control services from XX/XX/XXXX to XX/XX/XXXX. We terminated service XX/XX/XXXX when we discovered they overbilled us. On XX/XX/XXXX, we received a letter from Revenue Group that our company was turned over to that collections agency. We never received any communications from XXXX regarding funds due and believe this to be a violation of the Fair Debt Collection Practices Act ( FDCPA ). Since we received notice from the collections agency, we have disputed the claim but only received one email reply from XXXX XXXX at XXXX despite multiple communications by phone and email to XXXX ( To : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ). XXXX XXXX email to us advised us to contact a phone number for XXXX at credit and collections department ( XXXX ) XXXX but that phone number only has a voicemail recording and has not returned any of several messages. We notified XXXX the number they provided to resolve the issue was a dead end but they failed to reply to those multiple emails and phone calls. 

We have done everything we can to resolve this issue with XXXX but they refuse to return any communications or explain why they turned our company over to a collections agency, especially when they admitted to overbilling us. Therefore, we as the Consumer Financial Protections Bureau to investigate XXXX XXXX business practices at XXXX, dba XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX, MS ( XXXX XXXX, XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2020, there was fraudulent activity in my Venmo account to where {$1000.00} was transferred to a person named XXXX XXXX. I do not know who this person is. 

After taking my account information off of Venmo, they paid the person, and now, I owe Venmo {$1000.00}. They do not accept my claim because they claim that it was an authorized payment. I have tried to file this claim multiple times, but they still say that I made the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: DISCOVER BANK
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/18 and one time before that I requested from Discover how they recalculate variable rate loans. Instead of just increasing the payment amount, they extended the loan term. This only benefits the lender not the borrower unless the borrower requests a lower payment. I have once again requested from Discover, my original loan documents to see what the agreement for recalculating variable rate loans was that I signed and also how they recalculate loan payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of 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 non-monetary relief
Consumer complaint received 2023-08-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2022-05-15
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-11-13
Company: EQUIFAX, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Consumer Adjustment Company Incorporated
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX of 2023, The CONSUMER ADJ CO, who I've never heard of before, furnished private information about my credit without my written consent. This is in clear violation of fair credit reporting regulations as I was never notified by the company of my right to dispute this claim, nor was I given the right to opt out of sharing my information with nonaffiliated third parties, pursuant to 15 U.S.C. 6802 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
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:
In accordance with the Fair Credit Reporting acXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: Experian Information Solutions Inc.
State: UT
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 have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. I also have several addresses that do not associate me that are showing up on my credit report. Please remove them as well.

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 2023-06-01
Company: WELLS FARGO & COMPANY
State: NY
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:
Bilt Mastercard ( run by Wells Fargo ) was negligent in their duties to offer functional payment of my credit card debt. 

1 ) Their Bilt Mastercard website redirects all autopayment requests to a cell phone app 2 ) But that cell phone app is faulty and doesn't allow me to login even though I'm using the same username and password as the Bilt Mastercard website So I was left with a broken system for setting up the autopayments and I struggled for weeks with trying to login to the Bilt cell phone app to get payments setup. 

This broken payment system went on until a late fee showed up. After that late fee showed up, I complained to Bilt Mastercard about their broken autopayment system, I paid necessary debt immediately, and they waived the late fee. But they left the late fee on my history. So now I'm left with harm to my credit history by having this late fee on my Bilt Mastercard history. 

So I request the CFPB help me request Bilt Mastercard to remove the late fee from their history, so that the credit agencies do not see any late fee history. 

Bilt Mastercard recommended that I setup a dispute to get my request accomplished. They agreed that I execute a CFPB complaint and that I send a dispute as follows : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX phone number : XXXX Card Number Number : XXXX XXXX XXXX XXXX Social Security Number : XXXX XXXX : XX/XX/1978 Fax to XXXX Credit Bureau Dispute Resolution XXXX XXXX XXXX XXXX XXXX, IA 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 2023-06-01
Company: Aqua Finance, 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:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
The business charges a monthly fee to access credit report, credit score, credit monitoring, and other services. 
However, when i tried to access the services i pay monthly for, it said to contact customer service, over XXXX hours on the phone with unhelpful agents then with a supervisor, all sound like robots following a script instead of being humans and actually helping solve an issue, i still didnt get a resolution except to mail in a copy of my ID to verify my identity. We are in XXXX and their only solution to verify it is me trying to access my account is to mail in my ID or fax it? Thats it???? 

Best solution I am looking for is to let me access my account immediately, which i am paying for and not receing the service or give me a call to resolve the identity issue with any question you have or E-MAIL you whatever you need from me, or I need an immediate refund for all the previous months I paid for since I am not able to access the account & service I am paying to use. 

I was also mainly concerned to make sure my credit report is on Freeze or Lock so it is not accessible to any credit issuers, however I am not currently able to do that on the app or by calling equifax either.

Company response to consumer: Closed with explanation