BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I bank with Wells Fargo and had an auto bill pay set up to pay XXXX XXXX XXXX automatically every month. 

In XXXX  of this year, I paid off the vehicle and therefore cancelled the online bill pay in XXXX. 

On XXXX XXXX, the bill pay still went through for {$270.00}. I called to let them know and then once again attempted to shut off the bill pay ( I assumed the first payment went through because I did not cancel it correctly ). 

XXXX XXXX was contacted and they disputed ever receiving any payments and told me my account was closed and so the money would never hit the account. 

On XXXX XXXX, another payment of {$270.00} went through to XXXX  XXXX  XXXX. This time I called and told Wells Fargo they needed to cancel the bill pay on my behalf. I also told them that twice now XXXX claims they have no records of these auto bill pays hitting the account. Wells Fargo proceeded to file a claim for me based on the errors and the fact that the two check payments clearly were not being deposited anywhere and were essentially lost. 

For a week and a half there was no correspondence from Wells Fargo but then on XX/XX/19, they cancelled out my claim as a representative at XXXX XXXX now miraculously says they will be able to refund my money AFTER 30 days! For weeks we have been telling Wells Fargo what is going on. There were errors involved and now 6 weeks later we are out of almost {$570.00}!! 

When I became upset with Wells Fargo and the claim representative, she proceeded to talk down to me ( reading a script and talking over me on purpose ) and hanging up on me. When I call back, no one is willing to assist me.

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 2023-10-25
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL
Product: Debt collection
Sub-product: Rental debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I spoke With rep XXXX on XXXX around XXXX XXXX time. He kept over talking and being aggressive towards me on that phone call. I asked him question 's that he would not let me finish. i asked for manager and XXXX hung up on me. i felt harassed and abused.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: GA
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:
These accounts were previously disputed and removed ; however, they were recently added to my consumer file either under a new lender OR through the previous lenders. My student loans were dismissed under the Sweet v Cardona Settlement and I received documentation from the Department of Education on XX/XX/2023 ( enclosed ). These loans recently appeared on my consumer report under a new lender XXXX XXXX. 

As per 20 U.S. Code 1232g - Family educational and privacy rights ( a ) Conditions for availability of funds to educational agencies or institutions ; inspection and review of education records ; specific information to be made available ; procedure for access to education records ; reasonableness of time for such access ; hearings ; written explanations by parents ; definitions ( b ) Release of education records ; parental consent requirement ; exceptions ; compliance with judicial orders and subpoenas ; audit and evaluation of federally-supported education programs ; recordkeeping ; ( D ) in connection with astudents application for, or receipt of, financial aid ; ( E ) State and local officials or authorities to whom such information is specifically allowed to be reported or disclosed pursuant to State statute adopted ( II ) the officials and authorities to whom such information is disclosed certify in writing to theeducational agency or institutionthat the information will not be disclosed to any other party except as provided under State law without the prior written consent of the parent of thestudent. [ 1 ] ( 4 ) ( B ) With respect to this subsection, personal information shall only be transferred to a third party on the condition that such party will not permit any other party to have access to such information without the written consent of the parents of thestudent. If a third party outside theeducational agency or institutionpermits access to information in violation of paragraph ( 2 ) ( A ), or fails to destroy information in violation of paragraph ( 1 ) ( F ), theeducational agency or institutionshall be prohibited from permitting access to information fromeducation recordsto that third party for a period of not less than five years. 

Furnishing this information to my consumer report is a violation of this federal law and was provided with out my authorization or consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
I am a borrower impacted by the Joint Consolidation Loan Separation Act. I have completed a XXXX  reconsideration request ( including my employer certification ) and have been assigned a case number. As I believe I will now qualify for XXXX, I sought forbearance with my loan servicer, AES. This was granted through XX/XX/2024 ; however, interest continues to accrue monthly. When I asked for interest-free, I was denied. This is presenting undue hardship and financial risk to my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Ability Recovery Services, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I set up automatic payments with Ability Recovery Service ( XXXX ) that was to begin XX/XX/XXXX and {$50.00} XXXX payments were supposed to come out automatically. The company however decided to take the payments out on days that were not authorized. The first payment was taken out of my account on XX/XX/XXXX however, the next payment were taken out XX/XX/XXXX XXXX, XX/XX/XXXX XXXX. When I called the company to inquiry why the payments were taken out on these dates and not the dates that were authorized, the representative called me a liar and begin to yell at me. when i asked to speak with a supervisor, the supervisor stated they will take the information and look into it but the issue at hand is repaying the debt and begin to pressure me to discuss repayment. The supervisor completely disregarded the issue and my complaint. I asked the company to stop all auto payments and submitted a complaint to the attorney general. By running payments on dates that were not authorized this company did not comply with the XXXX law nor did they care to fix the 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
Consumer complaint received 2018-07-19
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: Credit inquiries on your report that you don't recognize

Complaint:
2nd Amendment with Additional Dispute with Transunion Unknown and Approved Credit Inquiries to Complaint -- XXXX about TRANSUNION. 

Transunion refused to allow me to dispute the following inquiries as have not applied for any credit with the following companies, banks, loan servicing entities, and I am disputing : 1. XXXX XXXX, Inquiry XX/XX/XXXX, not my request 2. XXXX XXXX XXXX, Inquiry XX/XX/XXXX, not my request 3. XXXX XXXX, inquiry XX/XX/XXXX, not my request 4. Duplicated Transunion Interactive, inquiry three three ( 3 ) on XX/XX/XXXX, not my request 5. Duplicated Transunion Interactive, inquiry three times ( 3 ) on XX/XX/XXXX, not my request 6. XXXX XXXX XXXX XXXX, inquiry on XX/XX/XXXX, not my request and duplicated 7.XXXX XXXX XXXX, inquiry on XX/XX/XXXX, not my request 8.   XXXX XXXX XXXX, inquiry XX/XX/XXXX, not my request 9. XXXX XXXX, inquiry XX/XX/XXXX, not my request

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 2023-10-25
Company: EQUIFAX, INC.
State: TX
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 have been disputing inaccuracies for almost 12 months now and the credit reporting agency has been in violation of removing this inaccurate and incomplete information that has been giving me stress. This reporting must be removed via FCRA and I do feel like this is a form of racism and discrimination from the credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
INQUIRIES INCLUDED IN DISPUTE : XXXX XXXX Inquiry Date : XX/XX/2020 XXXX XXXX XXXX Inquiry Date : XX/XX/202XXXX XXXX  XXXX Balance : {$0.00} XXXX Inquiry Date : XX/XX/2XXXX XXXX XXXX Inquiry Date : XX/XX/2020 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-05-18
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX continues with the help of Midland Credit, to list a bill that I paid last month still owing on my credit report. I sent a money order for $ {$420.00} on XX/XX/XXXX and they still list me owing the same amount to Midland and to XXXX. It is the same bill listed twice and I have contacted XXXX by phone and by mail and they will not update my report. The bank says it is processed. I called the bank on XX/XX/XXXX .Why should I pay a bill if Midland is not going to honor my payments? Midland is the collecting agency for XXXX. MCM account number is XXXX. 
HELP please!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
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:
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

there is some inaccurate information reporting. 
XXXX  XXXX Account XXXX : XXXX Please remove it from my credit report. 
1. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 7. The inquiry was not authorized XXXX XXXX  Date of inquiry : 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 non-monetary relief
Consumer complaint received 2023-08-01
Company: Experian Information Solutions Inc.
State: NJ
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 appreciate you making the effort to update and remove some of the data on my credit report, but there are still some items that need to be updated. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2021-02-12
Company: ALLY FINANCIAL INC.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have/had 2nd mortgage on my Home where I am staying. My 2nd mortgage was with GMAC. GMAC has went Bankrupt. I never received anything form GMAC about whom to to make my payments to. Last document I have from GMAC is from XX/XX/XXXX about my Loan modification. It was auto pay setup for mortgage payment. 
I was going through refinancing process & now suddenly after 9 years I came to know that ALLY is listed on my Deed. My refi was denied due to I am unable to provide payment history- Which I don't have for my 2nd mortgage. 
I don't want to loose my primary residence. After XXXX I finally found correct phone # of ALLY. Rep instructed to email to Ally as follow : On Monday, XX/XX/XXXX, XXXX XXXX EST, XXXX XXXX XXXX wrote : Hi, I just came to know that Ally has my 2nd mortgage.

I used to have GMAC. I know GMAC had filed Bankruptcy. 

I never received any paper or any documents from your company. 

I need someone to contact me asap in regards to my Loan. 

I just called XXXX & spoke with XXXX XXXX ID # XXXX & finally I got email address to contact you. Loan # he gave me is XXXX My address is : XXXX XXXX XXXX XXXX, XXXX XXXX, MI, XXXX. 
My home # XXXX. 
Response received as follow from ALLY : Lien Releases XXXX XX/XX/XXXX XXXX XXXX  GMT To : " XXXX '' XXXX Mr. XXXX, We have researched your request and determined your loan is not in a charge-off status, rather your loan is in a dormant status. In this scenario, please contact our mortgage servicing department at XXXX for assistance with your request. Please reference loan # XXXX. 
As instructed, I have attempted to contact Customer Service- I was getting bounced around in different dept & finally phone was disconnected. 
I got your website from Senator 's XXXX XXXX XXXX office to contact you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
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:
Dear Sir or Madam : I am writing to dispute fraudulent charges on my account for the account numbers, amounts and dates listed. I am a victim of identity theft, and I did not make these charges. I request that you remove the fraudulent charge and any related finance charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you stop reporting this inaccurate information and report the correct information to all of the nationwide credit reporting companies ( CRCs ) to which you provided it. 

Enclosed is a copy of my FTC Identity Theft Report, credit report, and account statement showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the Notice to Furnishers of Information issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRCs. 
Please investigate this matter and send me a written explanation of your findings and actions. 
Sincerely, COMPANY ACCOUNT NUMBER AMOUNT DATE XXXX XXXX {$580.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$3200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$15000.00} XX/XX/XXXX XXXX XXXX {$720.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$720.00} XX/XX/XXXX XXXX  XXXX {$130.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$130.00} XX/XX/XXXX XXXX XXXX XXXX {$820.00} XX/XX/XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$920.00} 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 non-monetary relief
Consumer complaint received 2023-01-31
Company: Block, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2022, my fiance ( XXXX XXXX ph : XXXX ) refunded my half of the rent in the amount of {$500.00}. Then sent an additional {$500.00} so i could purchase a money order as she would be working late. the {$500.00} she sent was successfully deposited, but the {$500.00} that she refunded to me disappeared. We have spent hours trying to get this resolved. We both have called Cash App support and they continually tell us that its been refunded and that we need to speak to the bank. However, when we go to the bank they have told us that it was never refunded into his account and theres nothing that they can do without a pending transaction to work with, its been over a month and {$500.00} is too much to just chalk up as a loss. Cash app is unhelpful and we dont know what else to do at this point please help us the bank has no access to any pending transaction and can not help us. Cash app will not help us, and the money has disappeared. I have photos of the chat messages between cash app support, and ourselves. I have requested that they three-way call XXXX ( my bank ) and myself so that they can hear from the bank that it was never sent back, but they refuse to do so. I feel like if both the bank and cash app were to be on the phone at the same time we might be able to resolve the situation, but cash app will not do that

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: Associated Credit Services, Inc.
State: MA
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:
On XX/XX/2018, at XXXX XXXX, I placed an 8 minute call to Associated Credit Services ( ACS ) in XXXX, MA at ( XXXX ) XXXX regarding a debt collection that appeared on my credit report that morning. I had received no notification regarding the debt or the original creditor to that point, and was told by the ACS rep that it was a XXXX XXXX account ( and if I had any disputes, to contact them directly ). I contacted XXXX XXXX at ( XXXX ) XXXX on XX/XX/2018 at XXXX XXXX. I was told by the customer service rep ( XXXX ) that I could pay XXXX XXXX directly over the phone. I asked whether the account could be pulled out out of collection first ( as it had only been placed for collection several days earlier ) and he said yes. I then proceeded to pay the entire amount allegedly owed by me with my debit card to ensure the collection would be resolved and removed from my credit report. I waited a couple days for the payment to clear, and several days more to see if my credit report updated. It did not. I then filed a dispute with all 3 credit bureaus, and received a response this morning showing that the collection account was updated to " Paid in full. '' I never paid Associated Credit Services -  ever. They did not have collection authority at the time I resolved the balance as XXXX XXXX had taken it out of collection and allowed me to pay in full directly to them. Had ACS exercised its due diligence in investigating disputes per the FCRA, it should have obtained the information from XXXX XXXX regarding the revocation of authority effective XX/XX/18. Without collection authority, ACS had no legal right to update the status of the collection upon receiving notice of the dispute. It should have been deleted entirely. I can prove legal damages as well as I was in the middle of refinancing my home when this issue arose and I have unable to continue with that process. As an XXXX I am prepared to challenge this violation in court if I must, as well as involve the Attorney General of the Commonwealth of Massachusetts and the XXXX if needed. I hope I do not need to take these steps.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation