BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-02
Company: COAST PROFESSIONAL INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Request to Remove All Delinquents Credit Reporting With Judges MANDATE From United States Court of Appeals for the Second Circuit Today with Sufficient Supporting Proof In XXXX XXXX favor against United States Department of the Treasury. Social security check garnished every month and bad faith collection not following FTC guidelines by Coast Professional inc collection company and neglect. 

To Remove All late payments for XXXX for the past three years because I was in school and Administrative Waiver under Federal law timely file. I was also granted as a matter of law and Sovereign Immunity. 

XXXX XXXX XXXX is desperately collecting and reporting incorrect XXXX XXXX  XXXX XXXX  prepaid card with out proper full disclosure of Truth In Billing Reconciling all payments activities and Federal Truth In Billing Disclosure Act for closed paid initial account paid in full for {$300.00} reported as {$3500.00}. No proof provided just frivolous comments with no bank statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
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: Personal information incorrect

Complaint:
I recently contacted XXXX, XXXX, and Experian, so that they can update my credit profile. XXXX made the change via phone but XXXX and Experian would not. I am sending documented proof so that my information can be updated.

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 2023-10-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I am deeply disappointed and disturbed by the experience I had with Wells Fargo on XX/XX/2023. I visited a branch to close my checking account due to suspicions of fraud. The banker assured me that by opening a new account, my financial information would be secure. However, this morning, on XX/XX/2023, a previously authorized payment was deducted from my new account without my consent. I had not communicated any account changes to my merchants. 

Upon contacting Wells Fargo customer service, I was informed that they had merely placed the account on hold, and it had not been closed as I requested. It was only after speaking with a manager that I was informed that the account is now officially closed, and there is no 90-day waiting period for account closure. 

I find it utterly unacceptable that Wells Fargo allowed my new account to be debited without authorization and failed to disclose that my previous account 's automatic transfers would continue. It is evident that the banker intentionally manipulated this situation to avoid having an account closure on her record, while also benefiting from opening a new one. 

This experience reflects a serious lapse in professionalism and integrity, and it has left me deeply dissatisfied with Wells Fargo 's handling of my financial affairs. I expect a thorough investigation into this matter and a prompt resolution to rectify the damage caused by this incident.

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 2021-10-18
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: Dynamic Recovery Solutions, LLC
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 I received 2 letters from XXXX  XXXX  XXXX  asking me for money to pay a debt I do not own. They said that the creditor is XXXX XXXX XXXX. I'm very worry because they have my personal information. And all my debts are payed. They said that the balances are {$2.00}, XXXX and {$6.00}, XXXX. I tried to call them but never answered.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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:
Since XX/XX/2022, Equifax has consistently refused to remove a fraudulent collections account ( XXXX XXXX XXXX from my credit report. 

I have disputed the account multiple times and submitted online the report that I filed with the FTC back in XXXX 2022. But the company continues to refuse the removal of this one fraudulent account. Equifax claims that no documents have been received.

However, I submitted an FTC report online multiple times. 

On Friday, XXXX XXXX, 2022, I submitted another online dispute regarding this account ( XXXX XXXX ), along with documents. This account has not been removed. 

Also on Friday I filed another dispute over the phone regarding a third fraudulent account ( XXXX XXXX, XXXX XXXX ) on my credit report. It has been removed as of XXXX XXXX, 2022 without any documentation submitted to Equifax on my end. 

Today, Sunday, XXXX XXXX, 2022, I have had 4 heated calls with customer reps who have lied and told me that they are unable to remove the XXXX XXXX account from my report. One rep said the account it's been " validated '' as mine when it's not. One agent hanged up the phone on me. Another agent lied to me about transferring my call to a supervisor. Another agent confirmed there are no supervisors on site and refused to provide information regarding the department assessing disputes. 

Equifax is not resolving the problem, just creating additional problems for me and lying about their business practices. And most likely they have created this problem in the first place thanks to their data breach. XXXX XXXX appears to me implicated in a data breach this year as well. 

I want them to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
The Company is aware that there is in fact information that is incorrectly stated and omitted. No Correspondence of any kind was received dated XX/XX/2021, and no proof of such correction was provided as evidence has been provided. In addition, no corrections or contract is valid with such errors without endorsement by both parties. Therefore, this contract is null and void. The documents related to this purchase did not fully and clearly disclose the required information. The Agreement contains unclear terms and have omitted terms which have confuse me and my rights as a consumer under TILA have been violated. 

Civil remedies for violations of TILA include an amount twice the amount of finance charges, plus attorney 's fees. Creditors can not avoid liability for an error as they failed to notify and correct the error within 60 days of discovery.

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 2023-07-11
Company: Experian Information Solutions Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2020-11-16
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: Information belongs to someone else

Complaint:
I have submitted to Experian an FTC report dated XX/XX/2020 along with ID, utility bill, and letter from the creditor ( s ) confirming liability on fraudulent account ( s ) has been withdrawn. 

Experian representatives state that due to " internal policy '', they will not re-dispute or block fraudulent information that was previously verified. This Experian policy is a violation of FCRA since the creditors have confirmed removal of the account ( s )

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 2023-10-23
Company: Experian Information Solutions Inc.
State: AR
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 am writing to formally complain about the persistent issue of late open accounts that I have been experiencing with your company, specifically regarding my account with Credit Bureaus. Despite my numerous attempts to address and resolve this matter, my late open accounts remain unresolved, causing significant inconvenience and financial hardship. 

I would like to provide a summary of my efforts to address this issue : I first became aware of the late open accounts associated with my account. Immediately, I contacted your company and initiated communication with your customer service department to discuss the issue. 

Subsequently, I made multiple attempts to resolve this situation, including sending emails, making phone calls, and even visiting your office in person. During these interactions, I provided all requested documentation and information to address the late open accounts. 

Regrettably, despite my continued commitment to resolving this matter, the late open accounts have not been rectified, and I have received no concrete steps or response from your company on how to proceed. 

These unresolved late open accounts have caused me significant stress, inconvenience, and financial difficulties. As a customer of Credit Bureaus, I expected a more responsive and efficient resolution process. 

I kindly request that you take immediate action to address and correct these late open accounts. If there are any additional details or documents required from my end, please inform me promptly, and I will provide the necessary information. 

I believe in fair and transparent communication, and I trust that we can resolve this issue amicably. However, if this issue persists, I may have no choice but to seek legal assistance to protect my rights and interests as a customer. Please assist me to correct these accounts : XXXX XXXX Balance Owed : {$150000.00} ; XXXX XXXX Balance Owed : {$13000.00}.

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 2021-04-05
Company: Square Inc
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
To whom it may concern, My name is XXXX XXXX and on Saturday, XX/XX/2021 - I woke up to several notifications that my CashApp account had authorized multiple transactions to various people that I did NOT know and did NOT authorize. I promptly called my bank to inquire about what to do and to cancel my debit card immediately. 

The scammers attempted to send upwards of {$1200.00} but only {$300.00} went though because I only had enough funds in my account for that amount to go through. I realize that it looks like I authorized the transaction, but I did NOT. Someone hacked into MY CashApp account and sent themselves money. I emailed Cash App Support on XX/XX/2021 and received a response from " XXXX '' on XX/XX/2021. I filed a complaint to dispute the charges and gave them the names of the three individuals who were sent money from " me '' because clearly they were part of a larger scam and needed to be banned or have their account suspended. The next day, XX/XX/2021, someone from CashApp named XXXX informed me that there was nothing that they could do to get my money back. I have since closed my CashApp account and deleted the app. I changed EVERY password to prevent something like this from happening again. I am in the process of reporting CashApp to the XXXX XXXX XXXX.

I am sad and frustrated that CashApp allowed this security breach to happen and failed to help me whatsoever. I am a graduate student in a clinical psychology program and am already under a significant amount of financial stress. I can not emphasize enough how I DID NOT AUTHORIZE THE PAYMENTS. I was asleep and woke up to my worst nightmare. Please let me know what you need from me so we can resolve this. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01
Company: Ditech Financial LLC
State: NM
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We attempted to set up a payment modification " trial period '' with our Mortgage Co, Ditech. We agreed to pay a set amount by the XXXX of XXXX, XXXX and XXXX of 2018. We paid XXXX 's payment early from our savings account with no problem. We paid through a savings account that we have had for years and had no problem in XXXX. When XXXX and XXXX came along I made arrangements for the payment to come out of my savings account again and in plenty of time. In XXXX I received a letter that Ditech was unable to take our payments out of our " checking account. '' I immediately called Ditech and attempted to correct the problem. They stated that I told them that they needed to take the money out of my checking account. I asked them to please go back and check the recordings of my calls. I waited for a week for the company to get back to me, they did not. I called them one week later and asked what they found out from the recordings. They stated that when they asked if it was checking account I did not correct them, therefore the problem was mine and the modification trial was a fail. We did receive a letter of default on XX/XX/2018. I asked them how to appeal. On XX/XX/2018 we filed a formal appeal letter. We made absolutely no changes to our savings account, and this was the same account that the company had been taking payments from for close to two years. We do not understand how all of the sudden during our " trial '' period we had 2 payment problems that we had not had during the 2 prior years of  payments.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX I was notified my info was in a XXXX data breach and to check my reports for fraudulant or or inaccuracies on my report. 

I reached out to all 3 credit bureaus and some inquireis were removed but many still remained.

Under FRCA 1681 USC 15 everything must accurate and verifiable. I never gave consent to these companies to pull my credit but, yet Transuinion, EXPERIAN and XXXX has refused to remove these unauthorized inquirieis. 

XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have never given consent nor have any knowledge of ever giving my authorization for these inquiries on my credit report. 

I want these inquiries removedd immeiately or pay me {$1000.00} per unauthorized inquiy and in accurate info. 
I have enclosed my FTC ID THEFT AFFIDAVIT to prove I did report these errorss back in XX/XX/XXXX and present the inquiries are still there have violated my rights by not removing them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-21
Company: EQUIFAX, INC.
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:
in inquiry by the name of XXXX on XX/XX/2018 appeared on my XXXX credit report,, that i didn't authorized. i called and disputed it a let them know it was a fraudulent inquiry and once the investigation was done they mailed me the results saying the inquiry has been removed. i checked my credit report and it was still showing. i called them back and told them i was still on there they said they had to dispute it again. they did it again mailed me dispute papers saying it had been removed but i checked again and it is still showing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: Experian Information Solutions 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:
On XX/XX/2020 a communication was sent out to XXXX, XXXX  and Experian for identity theft after a report was filed with the Federal Trade Commission on XX/XX/2020. The communication indicated these reporting agencies to block/remove all fraudulent information appearing on my consumer report for debts I did not owe and accounts that were created through identity theft. Said credit reporting agencies have failed to completely remove the fraudulent accounts from my consumer file. This is defamation of character and a violation of my consumer rights. 

Article I Section 10 of the constitution for the united States of America states, " No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility. '' Per Title 12 Sub Section 411 of the United States Code, Federal reserve notes, to be issued at the discretion of the Board of Governors of Federal Reserve System for the purpose of making advances to Federal reserve banks through the Federal reserve agents as hereinafter set forth and for no other purpose, are authorized. The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all taxes, customs, and other public dues. They shall be redeemed in lawful money on demand at the Treasury Department of the United States, in the city of Washington, District of Columbia, or at any Federal reserve bank. 
Any note constituting a " promise to pay '' is not legitimate. Due to House Joint Resolution 192, Set Off and equitable relief are asserted.

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 2020-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have attempted numerous calls with the bureaus in attempt to remove collection accounts and an installment account on my credit report which were results of identity theft. The accounts are still listed on my credit report. I have attached the FTC report for my identity.

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 2020-01-30
Company: Vengroff Williams, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
At XXXX XXXX on XX/XX/2020, I received a phone from a XXXX or XXXX from a California number as follows : ( XXXX ) XXXX When I performed a search of who this was that called me I discovered that it was a financial services firm called Vengroff Williams who has offices in XXXX, Fl, XXXX, Ca, XXXX, NY & XXXX, Illinois in which has a very long history of consumer complaints & lawsuits for their debt collection tactics. 

link below : XXXX XXXX XXXX He said he was a lawyer trying to collect a debt from a company I did not recognize right off hand and he finally went into detail saying that it was from XXXX XXXX XXXX XXXX and at that point I knew what company he was speaking of. Beings that I had not been notified in writing that he was a debt collector who took over the debt from XXXX XXXX, I told him I wanted a verification of debt and to send me the information in writing. He asked me if I was an attorney over and over again and I advised him I know my rights and he needed to send me the information via mail. 
After her continued telling me that I didn't know what I was talking about he insinuated that he was going to pull my personal credit while he was on the line with me which would drop my score in turn damaging my credit score. I advised him he had no permission to do so and his tactics were illegal under the Fair Debt Collection Practices Act ( FDCPA ). He again asked me over and over again if I was attorney and said that I had no idea what I was talking about. He then hung up on me after out heated exchange. 

I called him back and asked him why he hung up & he said that he was looking at my credit as we were speaking and said that I had multiple social security numbers ( which is no shape form or fashion true ) & he knew what type of person he was dealing with and then hung up on me again! 

This type of collection tactics is unlawful and pure harassment that I will not tolerate. 
Please assist me in getting this situation resolved & hold this firm accountable for their tactics.

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