BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I initiated a XXXX payment which I found out was a scam. I called Wells Fargo to cancel. The transaction was still pending on XX/XX/21. The bank told me they opened a case. I have not received my {$510.00} back.

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 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
The unverified account listed below continue to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible.XXXX  XXXX XXXX XXXX : {$33000.00}.

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 non-monetary relief
Consumer complaint received 2021-08-11
Company: Square Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My cashapp name was somehow changed. I would like to access my original account as I believe I have money in it, and want to see my transaction history. I contacted Cash app repeatedly and this is the response I received. 

On Wed, XX/XX/2021 at XXXX XXXX Cash Support XXXX wrote XXXX Hi XXXX, My name is XXXX and I am the manager at Cash App Support. I understand that you are having issues with Accessing an Account. 

After reviewing your case, I can confirm that your request to access this account was not approved. For security reasons, we can not reverse this decision and are unable to provide additional details. 
-- -- - So Cashapp is denying and blocking my access to my own account! And taking my money! Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
Company: Midstate Collection Solutions, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
When I initially noticed a collection on my credit report, I reached out to the creditors Midstate collection so. at XXXX XXXX XXXXXXXX XXXX XXXX XXXX in XXXX IL to validate this debt, I sent a debt validation request by certified mail XX/XX/XXXX and did not receive anything in return. I asked that this creditor notified the credit bureus of their error given there failure to validate this debt but they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My husband has been a member with USAA for almost 28 years. We made an international purchase, or tried to ( from a place I've ordered from before XXXX  ) we verified PRIOR to pressing the process payment button through XXXX  AND also verified after with USAA it was NOT a fraudulent charge when we recieved the text to confirm that... YET the charge was still declined ..AND our account is now under " review '' for fraud. We can't access our money or even look at our accounts now for who knows how long ( They say 3 buisness days, but I've seen ALOT of concerning comments regarding this and it seems that's what it starts as 3 but that time gets longer ) even after verifying multiple times this was a purchase WE were trying to make. AND Now we have about 8 bills that aren't going to go through because we can only conviently make deposits into our account. I probably would get this review alittle more~ if there was maybe actual fraud to look into... But we had verified multiple times now IT WAS US . And what's really annoying my husband was literally on the phone when they apparently decided to lock us out of our accounts completely. So it seems, we're basically just waiting on someone to unlock our account now for a charge that was verified multiple times to be our own. And in the meantime we don't have access to our funds and multiple bills we will be paying fees for when they bounce or don't go through because USAA is only accepting money INTO our account. And all this for a purchase we did everything we had to TO verify we DID MAKE. ( OR TRIED TO. And the purchase never went through either. ) Apparently nobody can do anything about this to speed the process up ... .Or at least we can't speak to anybody who actually can. When I call the automated system it says my information isn't recognized either .... Like I don't exist anymore in their sysyem. But our direct deposits sure are still hitting just fine... Funny thing ... Last month we had about 20+ charges to XXXX to our account back to back ... .That didn't trigger a " review '' or even a block. This though ... .A international charge to a buisness I have purchased from before AND verified with VISA verification prior to pressing process AND through USAA verification AND verifying by phone with a person ... That does.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
ATTENTION XXXX, XXXX, TRANS UNION LLC THIS IS XXXX XXXX, THIS IS NOT A THIRD PARTY REPRESETATIVE. ALL THESE STATEMENT ARE FACTUAL AND MY OWN WORDS. 

On XX/XX/2021 I sent a letter regarding accounts on my consumer report which are in violation of federal consumer protection laws and that I requested to have remove because of such reason. I've recently mailed a follow up letter on XX/XX/2021 via certified mail to address the inadequate investigations into the incorrect information you have listed on my consumer report. 

Regarding the accounts named ; US Department of Education. There are four different account with four different balances, two different opening dates, and one account number. And you claim these are accurate and valid but have yet to prove it pursuant to USC 1681g.

Along with the violation listed below that has been quoted from my letter, " Pursuant to 15 USC 1681 a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device shall be excluded from my consumer report. According to Congress the definition of a credit card is the same in 15 USC 1681 as it is in 15 USC 1602. Pursuant to 15 USC 1602 ( l ), the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice Congress said ANY card. The credit card is my social security card. '' And lastly with the major violation " pursuant to 15 USC 1692e ( 14 ) which prohibits. " The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. On my credit file it does not state the true name of the debt collector Which is a third party contracted to the alleged debt. ". If the prior investigations were done properly and under the statue of the law we wouldn't have this issue. 

When I call and relay these concerns to your customer service staff I receive rude and unsatisfying service that tends to ruin my day. I do not appreciate the harm and damages done by your agency due to your carelessness for consumers through your improper reporting methods.

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 2021-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX added a false debt claim to my personal credit report. I filed a complaint with both XXXX XXXX and Transunion where I asked XXXX XXXX  to provide proof of debt application with XXXX XXXX XXXX and signed loan documents with XXXX XXXX XXXX and proof of debt assignment to support their false claim. XXXX XXXX has never provided such proof and it has been more than 30 days. 

The law requires that in absence of proving legal proof of debt owed with debt application and signed debt agreement from the original lender and proof of assignment from the original lender to the current debt collector, the collection claim must be abandoned by the debt collector and the collection must be removed by the Credit Agency.

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 2019-11-20
Company: SYNCHRONY FINANCIAL
State: MN
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:
In XXXX a PayPal credit account was opened in my name. That was closed but a new address has shown up on my report. XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX. I have never lived or even been to Nevada. Each time XXXX  says they removed the address but it is still on my report. 

In addition I have request that the hard credit inquiry be remove by both PayPal and Synchrony Bank. And that also remains on the report.This is the case despite them telling me that they requested it be removed. I have made request for the remove of the information 7 times since XXXX. I have called both XXXX  and Synchrony on this matter multiple times. At one point I have had to request the information be removed from XXXX  and XXXX  who removed the information with no 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 non-monetary relief
Consumer complaint received 2023-03-31
Company: LEXISNEXIS
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
LexisNexis is a third party vendor whom before XX/XX/2018 was associated with reporting to XXXX bankruptcies on credit reports. I am not a customer or consumer of LexisNexis and do not wish to be contacted via email or disclose my personal information to them, I have no association with LexisNexis and they do not have the right to have my personal information social security number, etc. LexisNexis is reporting false information to XXXX which is against the Fair Credit Act. LexisNexis and XXXX dismissed their professional relationship on XX/XX/2018. My identity is verified through XXXX whom is a credit agency with the Credit Bureau. XXXX needs to delete the bankruptcy off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: Tower Loan of Mississippi, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Was not properly served. I contacted law office and explained the process server lied and said they served the the papers to someone name XXXX. On XXXX. I was not properly served. No one one was even at home that day and the time is not on the Server order. In fact I was not home the entire week. I would like them to discribe the person that was served. Attorney XXXX XXXX from the XXXX XXXX XXXX XXXXXXXX XXXX said he would contact the Process server. And I never heard back regarding it. Also Tower Loan was untruthful is stating I did not call their office in XX/XX/2020. 
There has been 2 occasions where the truth has not been displayed. I agreed to pay monthly. Before Covid my payments where timely. After Covid I contacted Tower Loan to explain me financial hardship. I have missed only 2 payments during Covid due to several months of Quarantine. Being ill and evacuation do to XXXX XXXX outbreaks. Tower Loan is issuing a wage garnishment. I successfully paid off my first loan to Tower Loan. This 2nd loan was for my ex husband who did not repay what he committed to. So I was held responsible because it was in my name. I am asking for Mercy from Tower Loan company. I have been faithfully paying before Covid. A Garnishment would cause more of a hardship I am currently behind on my Mortgage payments as well. I live alone with no other financial help. I am requesting the Garnishment stopped and allow me to continue making monthly payments. I also want an investigation done regarding the process server if they lied about serving me than they can not be truthful on the process serving of othersXXXX XXXX XXXX XXXX XXXX XXXX has the contact information to contact the Process server who claimed they served me. I pray that Attorney XXXX XXXX will produce the documents of the process server for viewing. I believe there was Fraud involved in the serving process. Thank you in advance

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 2019-11-20
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been in the process of correcting the wrong and the effects of identity theft on myself for over a year and a half. Because of this, I have been very diligent in reviewing my credit file on a weekly basis. I received an alert from a credit monitoring service that I had new negative account reporting. Sure enough, there was a collection account reporting as XXXX XXXX XXXX-XXXX in the amount of {$330.00}. I have never had XXXX XXXX and this account is not mine. Its also reporting open accounts that are not mine, XXXX XXXX, XXXX. After further review of my credit file, I also found several inquiries that I did not authorize that were fraudulent as well. I have submitted a complaint to the FTC and have a report of this.The fraudulent inquiries are to be deleted also.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07
Company: TOTAL MORTGAGE SERVICES LLC
State: RI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I applied for the XXXX assistance XXXX XXXX program through my state and was approved for assistance with paying my mortgage. I made all my mortgage payments on time and have never been late, even through the process of applying for this assistance. I physically made my own mortgage payment for XX/XX/XXXX and I was approved for this program in late XXXX. The XXXX XXXX sent payment to the mortgage company on XX/XX/XXXX in the amount of XXXX to cover my mortgage which was still not late or past due or in delinquent status at that time. I called the mortgage company several times throughout this process to keep them aware of the application, process and payment information and paid my mortgage throughout. The funds were sent to the mortgage company on XXXX. XX/XX/XXXX my credit report shows my mortgage was 30 days late for XXXX. I called and spoke with them who assured me yes they see the payment and they will rectify the credit problem as I made my XXXX payment. It has been XXXX days and in the meantime I have called them several times to remedy this issue and it seems every time the story changes and they are not on the same page internally. XXXX credit report shows my mortgage late for XXXX, and the other shows late for XXXX, XXXX days late, although they said it was XXXX, which I paid on time, portions of my credit report show conflicting information on this account with regards to late/current/months paid status. I have called them more than 5 times to find a resolution. I have never made a late payment on my mortgage in the XXXX years I have had it. The payment was sent to them to cover XXXX, XXXX and XXXX mortgage and they have not internally applied it to my account. They said they have a disorganized internal system for dealing with the incoming payments from the XXXX funds from states. This is not my fault and should not be negatively impacting my credit. My credit has been egregiously affected and dropped over XXXX points. You will see my credit I have no late payments or a history of late payments. Another creditor of mine reduced my credit limit on my card by {$2000.00} as a direct result of this negative reporting. This has not been handled properly or in a timely, orderly organized fashion. My credit reporting for this account doesn't match and is XXXX misrepresented.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Experian Information Solutions 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:
Ive asked that two negative credit accounts that are closed XXXX XXXX  XXXX XXXX and XXXX XXXX ) and have been opened more than7 years ago, be removed from my report. They have not.

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 2023-02-17
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was looking at my credit report and noticed my credit score drop a lot and seen that I had two collections on my report that I didn't know about or authorized. One was for XXXX XXXX and one was for a XXXX  account for the amounts of XXXX and XXXX. So I proceeded to contact XXXX and XXXX and the police department and also all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
On XX/XX/2023, I mailed the attached letter to TransUnion to have incorrect addresses removed from my credit profile. I included a utility bill and copy of my driver 's license. On XX/XX/2023, I received a letter from TransUnion stating I did not send the letter and the letter was sent on my behalf. This is not true as I sent the letter and even signed the letter, which you can see a copy attached.

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 2023-03-23
Company: Experian Information Solutions Inc.
State: MI
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 disputed this account with Experian, They updated the inaccurate information and left the account on my Credit report. STATE OF MICHIGAN CHILD SUPPORT XXXX. This is inaccurate, i have not given anyone permission to use my information for this account, i do not have any credit transactions with this company. Experian refuses to remove this fraudulent account and inquiries. Inqiries : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device this agency is in violation of 15 USC 1681a and i ask that this fraudulent account is deleted immediately.

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 2022-05-02
Company: Experian Information Solutions Inc.
State: MO
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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, Experian and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed XXXX {$390.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$140.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$560.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$170.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$140.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$73.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/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

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