BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-13
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On Tuesday, XX/XX/XXXX, the fraudster, who had my Drivers License and my savings account information, made the fraud wire payment form at Wells Fargo branch in XXXX, FL. That same day, I was with my immigrant clients in XXXX, GA and left to teach XXXX class in XXXX, GA. The next day, I found out that I got three relay service msgs from Wells Fargo, but the messages were that I should contact Wells Fargo. I decided to check my bank account online and found out that XXXX from my savings account were wired to XXXX XXXX  for XXXX XXXXXXXX XXXX XXXX XXXX I contacted Wells Fargo and reported the fraud wire payment incident. I was instructed to contact the Loss Prevention dept, but that dept was closed. Two days later after the XXXX XXXX weekend, I tried to contact the Loss Prevention dept, but XXXX XXXX was not in office. The next day, I made the second attempt to contact him. XXXX wanted to know that I was in FL. I told him no, so he asked me to make the appointment with my bank XXXX. XXXX, my bank officer showed me the fraud wire payment form.She wanted to know that I lost both of my Driver 's License ID and my bank card. I told her no. We filed a claim for unauthorized transactions on my account for ID theft operation. Plus, we started the process to research a wire recall request related to one of my accounts. I told her that I can not take the voice calls on my mobile. XXXX realized that i depend on my relay service number only. I asked her the last question about getting my money back. I have to wait for a phone call from Wells Fargo Executive office in less than 3 days.

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 2023-11-08
Company: Sequium Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A collection agency by the name of Sequium Asset Solutions out of Georgia, called My XXXX XXXX XXXX work cell phone, I gave verbal permission to speak to my Case XXXX, the ageny representative XXXX XXXX, informed me that they received the account on XXXX XXXX XXXX First, he identified himself as collecting for XXXX XXXX, then he said it was XXXX I am formerly homeless, in low income subsidy housing and there was a deal that XXXX was giving to all the clients on site, XXXX received the equipment back, which should have been XXXX removed off the bill. Secondly, XXXX never notified me via email or mail that my bill was past due, nor that it was being sent to collections, NOR did i receive any sort of electronic or mail from the collection agency about the validation notice and was never given the 30 days i have to dispute the debt. 
According to FDCPA section 809 ( validtation of debt ) this was a violation because I never received the validation notice via email or via mail, and never notified that my bill was in collections, I am being charged for equipment never recived & it was never hooked up and was never informed that i had a past due until now and alledgely the bill went past due in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
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:
Attempted to dispute. Told I could not dispute then transferred to another department that disputed. Within an hour they stated it was verified. Failed to investigate. Violation of FCRA violation. 

Allowed my report to be accessed without authorization. Experian stated they dont have to verify authorization from me to let someone access my credit report. Spoke with XXXX in special handling at Experian.

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 2023-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to dispute several negative items listed on my credit report. I recently obtained a copy of my credit report and found multiple inaccuracies that are negatively impacting my credit score. Below, I have provided details regarding each item and the reasons for my dispute. 

XXXX XXXX Account Number : XXXX Please remove the incorrect late payments from this account, as you can not report this account as updated when nothing has been changed. The same incorrect information is still being reported and nothing has been updated. 

XXXX XXXX XXXX XXXX Account Number : XXXX Please remove the incorrect late payments from this account, as you can not report this account as updated when nothing has been changed. The same incorrect information is still being reported and nothing has been updated. 

XXXX. Unknown Accounts : I have never had any business relationship with the following companies, and there is no way these accounts belong to me. Please delete these unknown accounts from my credit report immediately : 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 Inaccurate Information : There is no record in my possession that the following accounts belong to me. You must remove this inaccurate information from my credit report without any delay : 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 Please investigate these matters promptly and remove any inaccurate information from my credit report. I kindly request a written confirmation of the completion of these actions. 

Thank you for your attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2018-08-05
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/18 I have sent this company a letter asking them to prove that this debt belonged to me, ie, signature or contract obligating me to pay this debt. 

On XX/XX/18, the company responded to me with the letter, saying that they have completed the investigation and that the account was valid, just sending me summaries of the account in question. The original balance due on the account was {$290.00}, but then charge off charges put the amount to {$570.00}. 
This information provided to me does not constitute that the debt is mine. 

On XX/XX/18, I sent another letter to the company asking validation of the debt. 
The company did not respond back within the 31 day period, so they are in violation This company responded on XX/XX/18 saying that there will not be another investigation, due to my prior dispute on XX/XX/18

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 2023-11-08
Company: Synovus Bank
State: NC
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:
I am disappointed and upset that the credit bureaus would not care about my consumer report. I recently pulled a XXXX  crrdit report and was applaud with all of the negative things that are reporting illegally on my consumer report. I have not given and credit bureaus or company permission to the attached account into my report. This is violating my rights and breaking the law. I am requesting that this following charge off that is in the attachments be removed immdiately.This is going against the law per 18 U.S. Code 1028A - Aggravated identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Transunion and LCI continue to report a XXXX  on my report while XXXX, XXXX and XXXX have removed it. This needs to be removed immediately from my report as it has been removed everywhere else per the attached letter from 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 2021-01-15
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My cash app account was hacked back in XXXX. I was bit able to get assistance with that service request I submitted. I worked with my bank to move forward and created a new cash app profile. By this time, my only concern was that I purchased stocks via my old cash app profile. I emailed numerous times to get the stocks transferred to the new profile. Someone finally reached out last week to resolve that issue. Well they are providing me with instructions to transfer the stocks myself and the instructions are not working. I have reached out to the XXXX of XXXX, the VP of cash app and to no avail no resolution. Its not millions of dollars but I am a working class citizen and this is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06
Company: GREAT LAKES
State: ME
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
For starters, this constant flipping of my student loan from one company to the next is extremely tiresome. This is the second or third time the same loan has been tossed around and it 's back to one of the original ones! Beyond this frustration, they pass it on, notify me after the fact, and now I owe on late fees for payments? Not acceptable .... at all! How the   XXXX   am I suppose to know?
Secondly, the amount they are stating I owe is not even correct. They are stating I owe almost $ 8k. I do not think they even have the original paperwork or have my payments applied. This is unacceptable. I want to be show the documents that even show I owe on the loan. I do not think they even have that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: Experian Information Solutions Inc.
State: OH
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:
After receiving a response from XXXX and Experian regarding an ongoing dispute regarding the incorrect pay history/ closure date provided on my credit reports, the issue remains. The credit card balance for this account was paid in full in XX/XX/XXXX and the account was officially closed that same month. The derogatory months for the pay history have yet to be corrected along with the closure date on my credit reports which is inaccurate and false information. XXXX is still reporting XX/XX/XXXX through XX/XX/XXXX as derogatory, then XX/XX/XXXX as an on time payment then closed in XX/XX/XXXX. Experian is reporting derogatory payments from XX/XX/XXXX through XX/XX/XXXX and then a positive pay history for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, then FINALLY closed in XX/XX/XXXX. As seen in the attached credit reports from XXXX and Experian, XXXX is reporting false and inaccurate information. A representative by the name of XXXX, from the XXXX XXXX XXXX XXXX XXXX for XXXX, is refusing to correct the payment history and provide the correct closure date for the account. I AM ALSO STILL RECEIVEING MONTHLY STATEMENTS ON THIS CLOSED CREDIT CARD ACCOUNT THAT WAS PAID IN FULL. A complete investigation was not conducted by Experian nor XXXX from XXXX as can be seen by the attachments for this complaint. I also spoke to a representative on XX/XX/XXXX from Experian on a recorded line for them to review the XXXX account confirm that the account was closed, but still reporting a pay history up until XX/XX/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 2023-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Good evening, To start I had deposited a verified check into my checking account and BOA stated that it would be available Tuesday the XXXX of this month, I also had two fraud claims one for XXXX, and the other one for XXXX that I was being provided with provisional credit available on the XXXX as well. When I went to check my account that morning I was locked out of my account I immediately called the bank and they stated that it was A branch decision to close down my account they couldnt give me any information. I tried to talk to supervisors, managers, and different employees all for some type of answer but was getting the run around. Im in a low income apartment that I just got approved for last Friday and have to pay rent on the XXXX of this month, I can not afford to miss a payment this will be detrimental To the program that I am in. I was about to purchase a vehicle the same day my money was deposited into my account and had to put that on hold because of me not having access to my money. Its just me that I depend on so me not having access to my money has been hard on me these pass 2 days. I can not afford to feed myself, im barley making it to Work with the little gas I have and I can not even afford to pay my phone bill this month and im at my limit with extensions. I cant call on no one to borrow any money so this has gotten me very depressed that I can not access my money. They have an option for me to withdrawal my funds from a branch but keep giving me the run around and says that most likely I cant do that because of open claims. Also, to contact me please dont call because I dont know how long my phone is going to be on with my bill past due please send me an email to : XXXX. 
Please be advised that the issues described in this complaint will be shared with the financial institution or company in question for their response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-23
Company: EQUIFAX, INC.
State: FL
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:
This is my second issue with this bank, the first one was for fraud that occurred and now I made payment for a loan that I had with them which should have been paid on a monthly payment of {$43.00} but since I had the fraud that occurred in XX/XX/2021 while I was out of the country for two months and I was not able to make payments and not able to use another account to make payment which regions say that I am not able to make an online payment for the loan, I had to go to a local branch, so tell me how am I going to go to a local branch when I am in the XXXX XXXX? 
however, when I got back to the country I contacted the branch manager at the local XXXX office to let her know what happened to me but instead, I was getting the third degree from her like I was at fault and she was being rude and I even sent her an email letting her know that I paid the entire amount of the loan because I just didn't want to deal with this bank anymore. As a professional she didn't even have the decency to email me back WOW, such a professional XXXX XXXX, not to even respond to an email. 
They closed my account and they never refunded the XXXX dollars that I open the loan with, now who's a crook Regions, I have proof and I have attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Experian Information Solutions Inc.
State: NC
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:
I just checked my credit report and notice some inquiries that I didn't recognize. I believe I was a victim of fraud. I am distress and this matter as affected me from getting access to different forms of credit. Please help me to delete this fraudulent activity in my credit report. 

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 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 non-monetary relief
Consumer complaint received 2020-07-12
Company: Experian Information Solutions Inc.
State: DE
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:
Unauthorized inquiries on my Experian credit report that I did not authorized XX/XX/XXXX XXXX XXXX XXXX, I did not authorize this inquiry XX/XX/XXXX XXXX  XXXX XXXX, I did not authorize this inquiry XX/XX/XXXX XXXX XXXX, I did not authorize the inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX, I did not authorize this inquiry

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 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have found 3 XXXX ' accounts that applied to my Transunion credit report. I have filed the disputes 2 times which all declined. I phoned Transunion and they asked me to phone XXXX to sort it out myself. I phoned XXXX, they couldnt located my account ( ofcourse as I never open account with them ). I also provided XXXX the last 4 numbers of the three accounts which under my Transunion report, however XXXX asked for the full account number as they cant locate me with only the 4 last digits. I phoned Transunion, the representative agent said he cant get the full account number as its not under their record. I asked him to transfer me to someone that they can help as it has been a tug of war for many months. The agent said no one is able to help me. I insisted him if his manager/supervisor will be available atleast can give me a resource, but he kept saying no one can find out what happen to my account? I paid monthly to transunion for monitoring my credit and this is what I get? I phoned XXXX again to confirm that I am not with them but they said as there is 3 accounts under my name Transunion has to provide full account so they can confirm the I am not with them. At this time, they said they cant write any confirmation to Transunion to clear me because as they explained they should have a full account number as there is nothing cant be found under my name. 
I hope my explaination is clear and someone in the CFPB cant help me to sort this thing out as this is on going for many months between the two ( XXXX and Transunion ). 
Thank you for your time looking into my 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