BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-28
Company: World Acceptance Corporation
State: MI
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:
Per the Fair Credit Reporting Act as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and non-verbal per 15 USC 6802. 

Per the Privacy Act of XXXX as a federally protected consumer, it is my right to privacy. 

Per the Security Exchange Act of XXXX, the certificate of indebtedness once deposit any credit balance on the account over {$1.00} should be credited to I the consumer. As the consumer in this credit transaction, I can not be late on a balance due to me the federally protected consumer. I have not received my check. 

Stating the consumer owes a debt that the financial institution agreed to discharge is a violation of oath by the trustee and their fiduciary duties.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-05
Company: Eastern Account Systems of Connecticut, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a debt that was charged by XXXX  for internet after multiple attempts to close the account. I moved from the residence and was forced by XXXX to open a new account due to a new zip code and they did not close my old account and continued to charge me on both accounts- my new residence as well as my old one. my new residence 's account is still open and currently paid in full. this charge is not valid and i have tried telling the collection agency this, have given them my current accounts number, and disputed the collection on my credit report and they are still saying the debt is valid. 

Details are as follows : Opened XX/XX/2018 ( 8 mos ) Account status Open Original Creditor Name XXXX XXXX XXXX Creditor information- EASTERN ACCOUNT SYSTEM, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CT XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: ADP Inc.
State: KS
Product: Prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
XX/XX/XXXX I identified a couple of fraudulent purchases were pending and notified Wisely via phone the same day and via chat. My available funds were frozen and remained frozen until one of the 3 transactions posted to card. The three transactions werre XXXX for {$0.00} two times ( testing card ) and {$270.00} to XXXX XXXX.They told me that it takes 90-120 days to get $ back. Wisely refused to remove the hold and could not provide auth # or any info to assist me with getting information from XXXX XXXX. I escalated to super and they stated they would but could not remove hold and I would receive funds on XX/XX/XXXX which is 5 days per Visa regs. They did not inform me of where to send written confirmation of error to receive provisional credit within 10 days when I notified then. On XX/XX/XXXX one of the 3 transactions posted and removed {$270.00} from my card balance. On XX/XX/XXXX I received letter with case # and telling me to complete form and send back within 10 days but again it did not provide me with my right to provisional credit if I provided written notice of error. Written notice was already provided on XX/XX/XXXX and again via chat re : XXXX again they confirmed receipt and stated 45-90 days before investigation would be complete. I also completed this form and emailed it XX/XX/XXXX to the email on the form but it bounced back as invalid email address. 
I notified them via chat in writing of all info and they confirmed it was received, yet they continue to state it will take at least 45 days to get $ back. They are holding my funds for no reason for a fraudulent transaction and not adhearing to the regulatory requirments under REG E, EFTA or VISA Regs for unauthorized/fraudulent transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: DISCOVER BANK
State: OR
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
we moved cross country and my online login uses my old phone number [ landline ] for two part verification so I was unable to access my A/C I called multiple times and identified myself with DOB/Mother 's maiden name etc etc. They wouldn't accept this to change the phone number for two part verification. They insisted I supply a notarized statement. I took their form to a local [ OR ] notary and sent it off to Discover No response after 3 weeks so I called in again only to be told no one has looked at my notarized statement.Called back several times and got the same response. Insisted that all I want is to close my A/C and be done with Discover Finally, got the respnse that my notarized statement is incomplete. Was told a supervisor would call me and no call was received.

The " incomplete '' issue may be the result of OR notary law requiring notaries to use their own form and NOT the form provided by Discover. All the same info is included.

Hilariously they have changed my mailing address based on my Postal change of address but will not acknowledge they have identified me.

I just want to close mt A/c and never have anything to do with Discover again

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I was scammed {$11000.00} from XXXX to XXXX from a scammer identified as a woman named XXXX XXXX. It was a pig butchering scam. The scammer convinced me to invest in a platform called XXXX. After thinking I was making profits, I realized it was a scam. 
I was denied a refund from Wells Fargo. I recently filed a few claims and they won't refund me the transactions of the scam. There were three. One was for {$100.00}, one for {$1000.00} and one for {$8000.00}. That's {$9100.00}. 
Another transaction was through XXXX XXXX XXXX XXXX for {$2000.00}. I filed a claim dispute with them, showed proof that I was scammed and they decided to reimburse me my money. 
I'm confused on why XXXX XXXX XXXX XXXX refunded me the money but Wells Fargo didn't. If I don't get my money back from Wells Fargo, I will transfer my funds to XXXX XXXX XXXX XXXX. I've been a loyal customer at Wells Fargo since 2010, and believe I deserve a refund. Please help me get my {$9100.00} back. If not I'll take my funds to XXXX XXXX XXXX XXXX and not do any business with Wells Fargo anymore.

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 2023-10-18
Company: HEARTLAND PAYMENT SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was collected by ESCI who informed me that they represented US DEPARTMENT of Education. They told me that I had an unpaid XXXX loan back in XXXX that was not paid. I paid the school all the loan paid around XXXX, but I do not have any receipts from XXXX year ago. They begin reporting bad information to the credit bureaus and they informed me that it will continue until I repay the loan. They reported that I made payments for XXXX months this year but I didn't. I only heard of the debt this year after I supposedly made the payment. I have a letter directly from the US Department of Education that my student loans were repaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Exeter Finance Corp.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I participated in a consumer credit transaction XX/XX/2020, with XXXX XXXX XXXX XXXX. Pursuant to 15USC 1635 ( a ), I was never told I had 3 days to rescind the agreement and didn't receive required disclosures. The dealership failed to clearly and conspicuously disclose my right to rescind. Pursuant to 15 U.S. Code 1605 the finance charge in connection with any consumer credit transaction shall be determined as the SUM OF ALL CHARGES which was never disclosed to me, and they are in violation. The dealership also accepted a cash down payment of 2,000.00 dollars violating 15 U.S. Code 1605 which clearly says the finance charge does not include charges of a type payable in comparable cash transaction. The dealership is also in violation of 15 U.S Code 1692J ( Furnishing certain deceptive forms ). 

I received a phone call today from XXXX XXXX the General Manager at XXXX XXXX XXXX XXXX. He then had the Director of Finance XXXX XXXX called me who stated I needed to take this up with Exeter Finance LLC, who I never gave my information to directly. I sent Exeter Finance LLC an Affidavit and they never responded. They only sent a copy of the contract and my Affidavit back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
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:
Experian is reporting charged off accounts as past due with amounts, showing different high balances than the other credit 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 2022-10-16
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes

Complaint:
On my XXXX Credit report is showing two credit cards that are not mine. 
Both are with CITICARDS CBNA One was opened on XX/XX/XXXX with the credit limit of {$11000.00} Other was opened on XX/XX/XXXX with a credit limit of {$16000.00}

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 explanation
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: NE
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 this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2023-10-26
Company: Experian Information Solutions Inc.
State: AZ
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:
I respectfully ask that you conduct a comprehensive investigation into this matter, recognize the mistake, and expeditiously correct it by removing the unauthorized inquiry from my credit report. Your immediate attention and resolution of this issue are highly valued and appreciated.

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 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX, XXXX and TransUnion the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action..Inaccurate Addresses : 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 2022-10-16
Company: Experian Information Solutions Inc.
State: PA
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 Paid this account off on XX/XX/2022 the amount was XXXX my credit score was XXXX on XX/XX/2022 once my account was updated on XX/XX/2022 My score decreased to XXXX I reach out to XXXX  XXXX and they stated I never missed a payment and they don't know why they did that I have included My Experian account the first one as of today my score went down from XXXX minus XXXX points on my account you can see from XX/XX/2022 it was XXXX ) on XX/XX/646 and in XX/XX/647 THE RECORDING IS INCORRECT IF YOU MINUS XXXX FROM XXXX EXHIBIT 1-2 PAGES YOU WILL SEE ITS WRONG SCORING SYSTEM 8 THEY DECREASED MY CREDIT REPORT FOR NO REASON

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 2022-01-14
Company: FC HoldCo LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/XXXX flagship called me on off the dialed system XXXX times. I picked up every time and it connected and the call hung up. The XXXX and XXXX call a rep answer i told both reps that they keep calling I have a payment already pending on file and to stop calling. This morning at XXXX am. Flagship called again. I explained to them i will be filing a complaint with I also informed the rep yesterday. Be a this is a fdcoa violations. They already spoke to me XXXX yesterday I asked not to call me again and I have a payment on file. I asked to speak with a manager and the rep said she was too busy.

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 2023-10-26
Company: Experian Information Solutions Inc.
State: AZ
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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
You are using XXXX XXXX XXXX to collect, furnish, share, disclose, publicize, and report information about me that has resulted from Identity Thief as defined by 15 USC 1681a ( q ) ( 3 ) ( 4 ).

I have a right to privacy per the constitution and the Fair Credit Reporting Act, and to breach my privacy you must have expressed ( written ) consent showing that I agreed to have my information shared.

As a result of your actions, I have been deprived of my right of contract and credit extension due to defaming my character. Resulting also in a substantial loss of income.

This is my second attempt advising of the defamation of my character and my right to privacy being disregarded. Unless you can provide me with PROOF that the original creditor had lawful authority and or consent in accordance with 15 USC 6802 ( b ) ( 1 ), to share my information with you, and PROOF that I was given the option to opt out of having my information shared, I demand that your company immediately Block and or Delete all derogatory marks from my consumer report ( i.e., closed accounts, charge offs, late payments, credit utilization, repossessions, collections and evictions ) within 4 days pursuant to 15 USC 1681c-2.

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 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDEQ FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 6058,615 ( ) and 623 ( a ) 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victim 's credit report.

Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency. I ask that you comply with the Federal Laws in place, and swifly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the *Identity Theft Report List of Fraudulent Accounts ''. I am also requesting to be mailed a new credit report to my address of record above.

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 2022-04-21
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I disputed XXXX XXXX  ( Account # XXXX, XXXX  ( Account # XXXX )XXXX XXXX XXXX XXXX XXXXccount # XXXX ), and XXXX XXXX  ( Account # XXXX ) in XXXX of XXXX. When I pulled my new credit report today on XX/XX/XXXX, I see that tis deleted item was now put back on my credit report. You did not notify me within 5 business days that it was put back on my credit report and because of this section 611 violation, the accounts needs to be removed. 

I would like to see a new report showing this been deleted. 

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 2021-01-23
Company: REGIONS FINANCIAL CORPORATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I went to sleep with {$10.00} in my account Friday XX/XX/2021 and woke up with a balance of - {$64.00} on XX/XX/2021, every time the bank does posting at night, my money is missing from my account. Also I dont have overdraft protect, so my card should decline ever transaction in which I go over balance. I believe this bank is selecting which transactions to post in an order in which it overdrafts my account then still charges me overdraft fees but not posting them on the app so the I can see those fees. Lets just call them ( Hidden fees ) because they hide these from me and I know they are still doing it. I called and I am told Im not being charged, but this is not true. Please help me! You can even keep 25 percent of whatever money you find on my behalf. 

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 2023-06-28
Company: Affirm Holdings, Inc
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX I booked a hotel through XXXX for {$1100.00} and applied for an Affirm loan to pay for it. I quickly cancelled that reservation without realizing that it was a non-refundable booking. I was in a rush and found a better deal on XXXX. I thought the affirm loan was incomplete and did not go through. I tried to back out of the form but did not see that option and assumed the loan did not go through as I had cancelled the reservation. Now Affirm wants payments to start. How can the cancellation fee be the entire amount of the canceled stay?!?!! I have requested XXXX issue a refund to affirm. They said they can request it from XXXX XXXX but I should contact XXXX XXXX. XXXX XXXX said they did not charge me. Affirm asked that I let them know this is being disputed but they are still requesting payment. This is a vicious circle. I want a refund issued to Affirm. I don't have {$400.00} a month to pay Affirm for a stay that did not happen. I stayed at the XXXX XXXX XXXX via XXXX; same dates.

Company response to consumer: Closed with explanation