BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My friend XXXX XXXX was having a party and needed his house cleaned. I helped him find a cleaning company Called XXXX XXXX. The quote was {$320.00} which XXXX XXXX agreed to. XXXX XXXX XXXX said he needed a deposit of {$40.00} to confirm the next day cleaning service. XXXX XXXX said he did not have his credit card on him and asked me to put the {$40.00} on my card and he gave me cash. I asked XXXX if I could pay the deposit and they could collect the balance of {$280.00} from XXXX after they cleaned his house. He said they could do that. He sent me the paperwork and the bill for {$40.00} which I signed and paid on my debit card with Wells Fargo Bank on XXXX XXXX XXXX. 
At the end of the month I saw a charge for the {$280.00}. I wrote an email to XXXX XXXX and asked them why they charged me and gave them XXXX 's name, address and phone number and said he was the one who was suppose to pay. I sent XXXX emails to XXXX and disputed the charge with Wells Fargo Bank. In the beginning of XXXX XXXX said from the paperwork RH sent they determined I have to pay. I did not agree and was upset. XXXX said they would send me the paperwork to look at how they determined their decision. Meanwhile I closed all my accounts with WFB with whom I have been with for over 20 years. I never got the paperwork and had to request it again. 
I just got it dated XX/XX/XXXX. I see where I signed for the {$40.00} but never {$280.00}. I see the total bill of {$320.00} which I never signed for and there is no receipt for {$280.00}. There is a signature with date of XXXX XXXX which was for the {$40.00}. That is the only copy of my signature. There is a bill of {$320.00} that they attached my signature of the {$40.00} dated for the XXXX, My debit card was charged the {$280.00} XX/XX/XXXX as XXXX did not collect money for XXXX XXXX and decided to charge me instead without my approval. 
I will not pay this charge as I did not authorize it. XXXX should not have paid XXXX. XXXX should also not charge me and put me into collections which would harm my credit report. I contacted XXXX today and they said the account was closed and I needed to take it up with XXXX. I already tried that. I expect XXXX should protect their customers especially those who have been with them for over 20 years. The claim # 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 2023-09-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX sent a fraudulent debt to a collection agency, PORTFOLIO COLLECTIONS. However, this is a fraudulent debt that I do not owe and am not liable for! Also Ive not been sent any information about any of this. I found out by other means which we can discuss at another time which I hope is soon because this major, complex issue is very damaging to me, my image, family, business etc. In any event upon discovering this collection I have tried in many ways and multiple times I have made phone calls to both to resolve this issue and erase it off of all credit reporting agencys that they have sent them to. It is a Fraudulent debt, by XXXX XXXX that was sent also FRAUDULENTLY to PORTFOLIO COLLECTIONS who then, is FRAUDULENTLY attempting to collect such debt. They are both aggressive in ways towards me and very harassing/ threatening toward me. Again I DO NOT owe this debt! & they will not resolve this. My attempt to solve this issue has been unsuccessful with them so far but also I have been a professional about it and offered reasonable solutions. Both XXXX XXXX  and portfolio collections in fact, have not been and in many ways. They want money I DO NOT OWE, to either company. If I owed I would pay but I DO NOT OWE ANY DEBTS. To anyone. I hope we can resolve this issue by my simple request however If not, I understand! No hard feelings, and thats fine, for now. You have that right. I will just have to go by my attorneys advice which could and would be resolved by action such as a lawsuit against both companies, IF NOT RESOLVED by the time listed in statements. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-14
Company: Newport Intermediate Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Hello, I had six digital tokens from XXXX received between XXXX and XX/XX/2022 worth a total of {$65.00} ( XXXX {$10.00} XXXX  tokens from XXXX and one {$15.00} XXXX token from XXXX ). I had thought the tokens had one-year expiration windows, but when I went to redeem them in XX/XX/2022, I learned that they had all expired and actually had even shorter six-month expirations. 

I called the company 's customer service number on XXXX XXXX, XXXX, and was initially told that nothing could be done. The representative then said that the {$15.00} card from XXXX, which I'm guessing expired in XXXX ( XXXX months later ), could be reactivated for a {$12.00} fee, leaving {$2.00} ( that said, according to the screenshot I included, the funds were still available until XXXX XXXX, XXXX, so I'm not positive when it actually expired ). I did not accept this and instead, also on XXXX XXXX, filed a complaint with the XXXX  to XXXX / XXXX  Payments, the program manager for the prepaid cards, to raise the issue and hopefully resolve it more reasonably with the company. A number of other consumers had experienced the same issue I did ( ie, not being able to use their tokens before their expirations, and not realizing the expiration dates were so short ) and were offered one-time courtesies from the company. 

The company 's VP of Compliance has now responded to me twice via the XXXX  and stated that the terms and conditions were in the emails I received ( they were not ; I have included the token emails as attachments ) and that " We apologize but at this time we are not able to fulfill the cardholders request. '' They have not explained what criteria they use to offer some consumers " one-time courtesies '' while not offering them to others ( I have never received a one-time courtesy from the company ). The XXXX has only acted as an intermediary for sending my and the company 's responses, both of which I have rejected. I now realize that perhaps my complaint would have been better suited to the Consumer Protection Financial Bureau.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-10
Company: SYNCHRONY FINANCIAL
State: MS
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 XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2023-01-14
Company: NAVY FEDERAL CREDIT UNION
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:
Spoke with XXXX in collections who sent a request to remove 30 day late for XX/XX/2022 but a new late for XX/XX/2022 was added. XX/XX/XXXX payment is NOT 30 days late until XX/XX/XXXX and today is XX/XX/XXXX there incorrect credit reporting is causing me damages and health problems

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Notice To creditors and credit Agencies this is a official statement I XXXX XXXX XXXX officially opt out of all credit reporting Invoking my consumer rights under permissible purpose Due to unfair credit reporting and fraudulent activity on my credit report from credit cards and Credit Agencies, TransUnion, XXXX and XXXX after They have continued to display unfair reporting practices so for the following accounts on my credit report I opt out of all credit reporting due to permissible purpose consumer laws.

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: EQUIFAX, 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:
XXXX was put on notice and provided an Affidavit of Truth, Identity Theft Affidavit, Loan Discharge : Forgery Application, and a police report regarding the alleged debt of XXXX XXXX XXXX as of XX/XX/2023. I have given XXXX with 5 days to delete this fraudulent loan from my consumer report and they have yet to follow up nor did they remove the fraudulent. Now ( XXXX ) has informed me that it will take XXXX weeks to remove an account that is not mine and has hindered my consumer file for years and I am not waiting XXXX weeks for a removal when this has gone on for YEARS! UNACCEPTABLE! 

I have provided XXXX with enough time to gather evident or any other documents necessary prior, this has caused defamation to my character and my consumer file. XXXX XXXX  will provide proof of received document via XXXX. As well as XXXX XXXX XXXX XXXXXXXX with XXXX confirmed on XX/XX/2023 at that they have received the documents uploaded into their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: Comerica
State: LA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
On XX/XX/XXXX my childs XXXX posted to the card. I paid my light bill. Then 2 days later I tried to purchase something at a store and it declined it. It wasn't but an 8 dollar purchase and I knew I had over XXXX on there. So I called to check the balance and I entered in the last 4 of my card number like it asked. Only this time instead of asking for my pin it asked for my 16 digit card number or social security number. I enter that in and it puts me on hold. And automated voice tells me high call volumes and wait time is over 45 minutes. I wait on hold for an hour and 20 minutes then the phone goes silent and im disconnected. Im raging mad now so I call back. Same scenario, I wait and wait for over an hour and phone goes silent and it hangs up. I have done this every single day, at different hours of the day with this card company Direct Express. I have not yet, after a week, gotten to speak to anyone on the phone. They are holding my money and my info hostage and not giving any of their card holders much info. I have XXXX this issue and its happening to soo many people. Some are being evicted and some are getting lights cut off bc they rely on this money. I'm lucky enough I have some money to back me up but all those others lives tossed upside down because of this company. I'm also sending this to the news crews around here. I have filed a complaint with the XXXX. I can't log into my online account. It says those credentials aren't correct when I know they are. This isn't just an uh oh they get to ignore us all problem. I need answers and I need my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Experian Information Solutions Inc.
State: MS
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:
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX, Account name : XXXX  XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX. 

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

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 2023-10-31
Company: Experian Information Solutions Inc.
State: AZ
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: TN
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:
REPORTING ITEMS ON MY CREDIT REPORT THAT ARE A RESULT OF IDENTITY THEFT.

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 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
REPORTING ITEMS ON MY CREDIT REPORT THAT ARE A RESULT OF IDENTITY THEFT.

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 2023-09-14
Company: SERVICEMAC, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I would like to incorporate in this complaint a previously filed complaint CFPB Complaint # XXXX. At the time of that complaint in XXXX of 2023, I was unable to properly communicate with an reach a resolution regarding the handling of a joint check that was issued by my home owners insurance for completed roofing repairs. I was called by Service Mac within a week, and the leadership or legal department agreed with me that the check would not be secure in the USPS or even by courier as a fully endorsed negotiable instrument and said that I could send in unendorsed checks to be returned to me for deposit and full payment of the roofing contractor. The roofing company management was on many of these calls and copied on correspondence. 

I was clearly told, at different times, by different personnel, that because this was a closed matter, they would not open an account to deposit funds and then issue a new check and that my only resolution was to endorse thousands of dollars in checks, and wait for the mail to send me a fully endorsed and negotiable instrument. 

However, by this point, I needed to have the insurance company issue new checks, as the previous checks had expired. In order to avoid a credit issue with the roofing company, I paid the balance of several XXXX dollars owed. I have sent in those new joint checks and was notified this week that the unendorsed checks are being returned to me because I did not endorse them and they ARE NOW REQUIRING ANOTHER INSPECTION. At this point, I have no confidence in the front line employees to properly and securely handle XXXX of dollars in funds that are owed to me. These front line employees have no direct access to the leadership/legal department, and can not give me any assurances on how my check will be handled. I have been on the phone for hours with various individuals that do not have the information or authority to ensure this is handled properly.

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 2020-03-26
Company: Square Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
This happened on XX/XX/XXXX The merchant told me to make 4 different transactions through Cash App : 1 was for {$55.00} 2 was for {$200.00} 3 was for {$16.00} 4 was for {$100.00} in total of {$370.00}. It was send to the merchant cashapp name $ XXXX. and they told to send the {$55.00} on XXXX. I was supposed to receive the product within 4-5 days but the days went by and i did not receive anything. I requested a refund through cashapp but they declined then i later found out they were a scam and I contacted Cashapp customer service myself but they told me that they could not do anything about it so i decided to contact my bank but they are enable to file third party claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: TN
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:
According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personal, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information which directly conflicts Congressional purposes and reasonable procedures. Prove that I received a delivery of goods ; come to my home and search for the goods they say I received possessions of goods of or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681 c-2 ( 1 ) ( C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received a delivery of good, services and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft these accounts must be removed and blocked

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 2023-01-14
Company: Peter Roberts & Associates, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Peter Roberts & ASSOCIATES ; XXXX XXXX ; and CFPB ; This is a HIPPA violation plus i thought there was a law that passed that a medical collection of less than {$500.00} shouldn't report on my credit report. Wasn't there a new law that was passed last year about this???? 

Plus, I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever had any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation