BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-10
Company: EQUIFAX, 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 just received my credit report and found this company purchase this debt from my lender which this belong to that company not me. The purchase agreement if any is between the collection company and XXXXXXXX XXXX It clearly States debt buyer on my report. This not my account once they sold it to the collection company. This collection also not registered with XXXX XXXX XXXX XXXX  so that mean I owns nothing to this collection company also the collection company don't have a sign agreement with myself. Now that XXXXXXXX XXXX sold the debt can we have report XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I have been trying to add my external bank account to Bank of America to transfer money, but I can not add the new account. I always receive emails that a payee was added. However, I can not see that in my account. I contacted customer service and spoke with about more than an hour but could not resolve the issue. I still have the same problem and can not find a way to add my account. The Bank of America never contacted me or showed a willingness to resolve the issue. This is not the first time. This bank is so big that it does not care about customer service, only cares about money.

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 2022-11-18
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX 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 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 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 Any other adverse item 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EdFinancial Services
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Ive been trying to contact Edfinancial in regards to my repayment plans. 

My hold times have ranged from XXXX minutes last month, to XXXX minutes just yesterday. The information they have doesnt match up to studentloan.gov. They recommended for me to contact my school, claiming my loans were discharged. I contacted my school, XXXX, and confirmed my loans had not been discharged. 

According to studentloan.gov, I owe XXXX, yet theyre ( Edfinancial ), has shown different amounts. They were showing my loan total as XXXX prior to XXXX and now XXXX as of today. Theres no way to confirm the correct payment amount with Edfinancial. I dont know what my payment will be or how to even get on the ramp-up program to aid in getting on a payment schedule the next 12 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am curranty in litigation with shellpoint mortgage servicing for the past 8 years. I have not changed my email, phone or address in 20 years. My XXXX XXXX XXXX parents, war hero father, was called by XXXX XXXX XXXX and a man name XXXX XXXX. He said he was trying to locate me as he was allowed to reach out to family members in order to find me. He was rude and verbally abusive to them. I called back this morning ( after seeing a missed call from yesterday ), and I spoke to XXXX XXXX and he explained that Shellpoint hired him to find me and he was a skip tracer. He then became rude and verbally abusive to me as well even tho I quickly explained that I had an attorney to protect me in this matter and all calls should be directed to him. I then called Shellpoint and was told that they never hired him to do this. Another lie. Shellpoint sent people to my house to leave notices and when I was outside for two of those occurrences, I asked the person who they were and they simply said - pay your mortgage, dirt bag. They denied that, too. It's just very curious to me that all these people show up on shellpoint 's behalf for absolutely no reason. They spend their own time calling me and coming to my house for free? STOP SHELLPOINT FROM ABUSING PEOPLE. DO YOUR JOBS!! If anything were to happen to my dad because of this, Shellpoint will be liable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: In progress
Consumer complaint received 2023-01-30
Company: SYNCHRONY FINANCIAL
State: VA
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 am submiiting this request to delete or correct the following information that appears in my credit report. In the year XXXX is when i had applied for a student loan to finish my career and since that year i have not applied for any credit except one that was provided to thru my paypal account which was a credit line with paypal. I have never had a reason to check my credit report since my student loan has been referred ever since XXXX. Recently i have requested a credit card thru my paypal account and i come to realize that there are many credit accounts already that appear on my credit report like for example. XXXX XXXX opened in XX/XX/XXXX, SYNCB opened in XX/XX/XXXX, XXXX opened on XX/XX/XXXX, XXXX opened on XXXX XXXX, XXXX XXXX opened on XX/XX/XXXX, XXXX opened on XX/XX/XXXX, XXXX opened on XX/XX/XXXX and a XXXX opened on XX/XX/XXXX. I am requesting these above accounts to be deleted out of my report because they do not belong to me. I have never given a consent to open these cards plus obviously never used them to be responsible for them. I am aware that i am protected by law according to Section 604 15 U.S. Code 1681 B, Section 605 A 15 U.S. Code 1681 C-1 and Section 605 B 15 U.S. Code 1681 C-2. 

Credit Reports do not have the right to report anything on my credit report without my written consent. I clearly see that i have a victim of identity theft. Having said that, i am notifying that something in my credit report is incorrect and its a result of identity theft. 

I would like to make it clear that i have not consented this at all. 

P.S : The only accounts that should be reflecting in my report in my STUDENT LOAN and a creditline from Paypal, that should be it. Most of these accounts are reflecting as collections and affecting my daily work and life as we speak. I would appreciate to take matters in to account.

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 2023-03-09
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Cashapp continually and unnecessarily hold your money after the company has released the back usually with hotels or rental cars. When they have a hold for extra in case you damage the room or the vehicle am I sent proof that all the money has been released any transactions been completed Im going on the 15 day that theyre still holding a transaction is pending a CONTACT XXXX XXXX XXXX times. They said they released that on the XXXX. I do believe the cash app is doing this if they can make money on our money like extra interest but that money sitting in their accounts instead of return it to the customer like they should and then when you try to contact them, they purposely tell you they will not speak to you that theyve had. They said all they had to say to you and they just like shut you off they will not return phone calls you can not reach anybody by phone. You just get some weird one person message like its in some guys house. This is ridiculous and this needs to be governed more because they are taking advantage of people I have proof from the hotel that money was released on the XXXX now I used another card with that hotel for so I travel out for work and my money goes back on the next day with cash app. They take 14 days to give it back sometimes longer and then they shut you down and they wont answer your questions anymore or even call you because you cant get through on your phone and theyll just ignore you like what are you gon na do theres some virtual company and I think theres some doubt overseas so they dont even understand what youre saying half the Time somebody needs to look into this Im taking this to the news there was three charges made for one stay by the night auditor that was new and one was completed for that night and one I was able to get cash out the release and this one theyre still holding since the XXXX youll see the documentation down below it was only holes and they were released so they shouldnt be still pending and they telling me to dispute it so they can hold my money for another 45 days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
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:
i do not have any accounts with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? whe was last activity of the acount? if this was charged off then there needs to be a cancellation of debt 1099, you can not collect on debt that has been charged off i need accurate data points please remove I have been sick with covid for a year and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy you can not charge off a card and still report it as over the limit, do you see the problem with these accounts? 










XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts - Summary XXXX XXXX Experian Last Updated XXXX, XXXX  XXXX, XXXX  XXXX, XXXX  Payment Status Charge-off Charged off as bad debt Unpaid balance reported as a loss by credit grantor Worst Delinquency 120+ days past due None Reported Charge Off/Other Derog Balance {$1900.00} {$1900.00} {$1900.00} Credit Limit {$1000.00} {$1000.00} {$1000.00} Credit Utilization 180 % 180 % 180 % XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts - Summary XXXX XXXX Experian Last Updated XXXX, XXXX  XXXX, XXXX  XXXX, XXXX  Payment Status Charge-off Charged off as bad debt Unpaid balance reported as a loss by credit grantor Worst Delinquency 120+ days past due None Reported Charge Off/Other Derog Balance {$1600.00} {$1600.00} {$1600.00} Credit Limit {$1100.00} {$1100.00} {$1100.00} Credit Utilization 145 % 145 % 145 %

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 2023-06-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Subject : Complaint Regarding Wells Fargo XXXX Checking Account Bonus Dear Consumer Financial Bureau, I hope this email finds you well. I am writing to bring to your attention an issue I have encountered with Wells Fargo regarding a promotional offer for opening an Everyday Checking Account. Wells Fargo has advertised a cash bonus promotion falsely, and I am seeking your assistance in resolving this matter. 

In XX/XX/2023, I came across an online promotion by Wells Fargo offering a {$320.00} bonus for opening an Everyday Checking Account. The promotion required the fulfillment of a condition, namely receiving a total of {$1000.00} or more in qualifying direct deposits within XXXX calendar days from account opening. At the time, I opened the account online on XX/XX/2023, using the bonus offer code XXXX, which was attached to my application. 

Over the course of the next 90 days, I ensured that I met the requirements of the bonus offer by arranging for direct deposits from my employer, XXXX, to be made into this Wells Fargo Everyday Checking Account. However, upon the completion of the XXXX qualification period, I did not observe the promised bonus credit in my account. Concerned about this discrepancy, I contacted customer service on XX/XX/XXXX to inquire about the situation. The representative confirmed that I had indeed fulfilled all the requirements and assured me that the bonus would be credited to my account within another 30 days. 

Unfortunately, even after the additional waiting period of 30 days, I did not receive the bonus credit. Today, on XX/XX/XXXX, I contacted customer service again and spoke with a representative named XXXX, who assisted me in filing a complaint. The reference number for my complaint is XXXX. As a resident alien for tax purposes, I am deeply troubled by Wells Fargo 's practices of enticing customers with false cash bonus claims. 

In light of these circumstances, I kindly request your intervention to help me resolve this matter with Wells Fargo. My expected resolution is to receive the promised cash bonus of {$320.00}, which was offered to me upon opening the account. It is disheartening to discover another similar campaign for their checking account in XXXX, as seen at https : //accountoffers.wellsfargo.com/checkingoffer/. I urge you to investigate these misleading practices and ensure a fair and just resolution. 

Thank you for your attention to this matter. I look forward to your prompt assistance in addressing this issue and obtaining the cash bonus as promised by Wells Fargo. Should you require any further information or documentation, please do not hesitate to contact me. 

Yours sincerely, 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 monetary relief
Consumer complaint received 2023-02-16
Company: EQUIFAX, INC.
State: CO
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 last of account below has violated my federally protected consumer rights to privacy and confidentiality under U-S-C 1681. 
Account name : XXXX XXXX XXXX Account number # XXXX Account name : XXXX XXXX XXXX Account number # XXXX Has violated my rights. 
15 U-S-C 1681 Section 602 A- stat 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 Instruction. 
15 U-S-C 1681 C- ( A ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, any other than records of conviction of crimes which antedates the report by more than seven years.

15 U-S-C- 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate. I am a natural person, I am a living human being I have right under 15 U.S.C 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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: 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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-07-03
Company: Advance America, Cash Advance Centers, Inc.
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
XX/XX/23 I contacted the company to let them know that I was experiencing economic hardship that I can not afford to pay every two week..They ach debit my account on a Tuesday in which it put me in the negative with nsf charge. 
XX/XX/23 I contacted the company again with no solution they are just ach debit my account with more nsf charge..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: Experian Information Solutions Inc.
State: AZ
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately 1. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report.

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