BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX XXXX, XXXX, and Experian are housing and inaccurately reporting my non-public personal information to nonaffiliated third parties for unjust enrichment. As required by 12 CFR 1016.7, I was never provided a clear and conspicuous notice accurately explaining my inalienable right to opt out of my nonpublic personal information being shared with nonaffiliated third parties as provided under 12 CFR 1016.10 ( a ). XXXX XXXX did NOT provide reasonable means by which I may exercise my right to opt out. This gross negligence is placing a restraint on my ability to operate in commerce and severely impairing my inalienable right to Life, Liberty, and the pursuit of Happiness.

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 2024-01-26
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX XXXX XXXX  CREDIT COLLECTION SERV Open options Account # : XXXX XXXXXXXX XXXX XXXX XXXX Open options Account # : XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above. You MUST provide me a WET INK signature or I'm forced to take legal action against a company that falsely attempting to collect a debt I don't owe them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am writing to file this complaint against Wells Fargo Bank regarding the numerous issues I have encountered while attempting to open and maintain a checking account with them. Despite multiple attempts, the bank has failed to provide a satisfactory explanation for the denial of my account opening. 

My latest attempt to open a Wells Fargo checking account occurred on XXXX XXXX XXXX at the Wells Fargo branch located at XXXX XXXX XXXX, XXXX, NY XXXX. During this visit, I diligently provided all the required information, including XXXX forms of identification, as requested by the bank. 

To my surprise, the bank informed me that my account could not be opened. When I inquired about the reason for this unexpected denial, the banker was unable to provide me with any specific information. Instead, I was assured that I would receive a letter in the mail addressing the issue. 

It has now been over 10 days since my visit to the Wells Fargo branch, and I have yet to receive any such letter. The lack of communication and transparency on Wells Fargo 's part is not only frustrating but also raises concerns about the handling of my personal information and the bank 's adherence to standard procedures.

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 2023-10-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
For months I have been disputing a few accounts on my credit report that are reporting inaccurately and all the credit bureaus have been doing is stalling me out, they either tell me it has been verified and when I asked how was these items verified I have yet to hear back from them and its been well over 60 days or the tell me they weren't sure if it was me sending the disputes another stalling method I have sent the dispute with a cover letter, notarized along with proof of address and identification.

I will attach my credit report you will see the clear errors.

from my DOB, Balances, Dates Open & Closed, Account Status, Payment History Etc Etc.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The accounts are a result of the XXXX XXXX XXXX data breach and the XXXX XXXX breach. My information was leaked and I was affected. I have filed identity theft reports in XXXX, XXXX, XXXX and XXXX due to the leaked credit information used as fraud. I have tried to dispute information and have been unsuccessful and companies are says info is verified and charged off with no proof of this being the authorization on myself. No explanation in writing or reasoning for validating debt. Being that said it is charged off and no 1099c was sent to me via mailing or email. 
Accounts : Transworld Systems INC- Disputed and company did not send verification of debt as it relates to company. Requesting removal from all three bureaus immediately. 



On XX/XX/XXXX the CFPB posted ; the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), which both enforce fair credit reporting laws, filed an amicus brief in the U.S. Court of Appeals for the Second Circuit in XXXX XXXX XXXX XXXXe Bank, to help ensure that companies that provide information to credit reporting companies comply with the law. Specifically, they must tell credit reporting companies to remove information that they can not verify after someone identifies the information as wrong. 

All debt above are reporting inaccurate info and is result of identity theft. 
Also, according to the CFPB XXXX case against TSI Transworld Systems ; against consumers of student loans filed lawsuits that they couldnt prove were owed and filed false and misleading affidavits in courts across the country, said CFPB XXXX XXXX XXXX. Then they were ordered to pay {$2.00} million for penalties. They ( TSI ) still use frivolous tactics against consumers and is the reason I am filing a complaint against Transworld. System Inc. 
Hoping this can be taken into consideration of the companies non truthful business tactics. Same letter was sent to all 3 agencies for validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Nelnet, Inc.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have been paying my student loans for XXXX  years and I am on a repayment plan of a total of 20 years then they will be discharged/forgiven. My student loans have been paid to Federal Student Aid ( FSA ) since XXXX  ( XXXX  years ) and they were transferred over to NELNET. I have asked Nelnet 3 times ( once on the phone after waiting on hold for XXXX hours and twice by emailing them on their message portal on their website ) to provide me with a breakdown of my payment history of XXXX  years and they will not. They refuse and I am worried that my XXXX  years of repayments will not be counted towards my 20 year forgiveness and will be lost. I called FSA and they told me to file a complaint against Nelnet, which I did. Nelnet sent me a document that was incorrect. I need payment history of XXXX  years that is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
My account/card was used while I was on XXXX for the XXXX XXXX XXXX XXXX They used {$16000.00} within the span of a month. I reported this immediately to the company when I returned only for them to deny my dispute multiple times due to the amount. I sent supporting documentation as well as identity documents to verify that I was not at fault. Multiple agents who filed my claims even said verbatim " You should have your money back very soon these documents are the ones that will show the fraud team you did not do this ''. This card was loaded with my XXXX  benefits I fought hard for from being in California. My family and I have been homeless living under the authority of others because we can not afford anything without this money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Every month since I opened my Apple Card account in XXXXXXXX XXXX XXXX, I receive an XXXX notification that payment is due, and every month I have responded and paid in full and on time. Yesterday was XX/XX/XXXX, and payment was due, but I did not receive any notification. I had not changed any settings. I realized it this morning ( XXXX ) and paid the card in full and asked to waive charges ( interest ) related to the several hours between when payment was due and when I paid in full - because they had neglected to send the notification that I had come to rely on. They said I should have known it was due and they have no obligation to send the notification. That may be true, but I was lulled into a sense of dependence on the notification - I feel they may have not sent them this month on purpose and maybe to many customers, perhaps because Goldman Sachs is getting out of the Apple Card business, they want to trick customers into paying a lot of interest. I wanted to bring it up with you in case you get many complaints.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-08
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This shall serve as an official cease-and-desist for the account starting with XXXX stop all communication. Per the FDCPA The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

usc 1692k civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: World Omni Financial Corp.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Company explaining amount owed

Complaint:
Made contact with XXXX XXXX XXXX XXXX XXXX  and the credit bureaus in XXXX, XXXX, XXXX and XX/XX/2023 about the inaccuracies on my credit report and the creditor and bureaus have failed to abide by the Fair Lending Laws and Regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I XXXX, XXXX XXXX a natural person and consumer, recently applied for money, goods or services primarily for personal use on credit with Marcus : by Goldman Sachs . I then received a letter informing me that their organization was unable to approve my application. As a result, they have failed or refused to issue me an account as a creditworthy consumer. As you know or should know, it is prohibited to take adverse action against a consumer pursuant to Equal Credit Opportunity Act codified at 15 USC 1691c for which they may be held criminally and civilly liable for your violations of 15 USC 1642, 1681m and 12 CFR 1002. Pursuant to 12 CFR 1002.7 A creditor shall not refuse to grant an individual account to a creditworthy applicant on the basis of XXXX, marital status, or any other prohibited basis. Please referenced the attached evidence as proof of my application for credit and your refusal to extend credit. Pursuant to 12 USC 1602 ( p ) Marcus : by Goldman Sacks have made unauthorized use of a credit card by utilizing my social security credit card in which I received no benefit. 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. Thus Marcus : by Goldman Sachs fraudulently used my credit device to obtain money and provided me no benefit from such use.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Block, Inc.
State: CO
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:
I was charged {$300.00} from cash app on XX/XX/ my debit card is hooked up to my cash app I did not authorize it so somebody got into my cash app account since then I closed my account & opened a new one with a new card Im just trying to get MY money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Early Warning Services, LLC
State: AZ
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: Investigation took more than 30 days

Complaint:
The FCRA requires Early Warning to respond to disputes within 30 days of receiving the dispute letters for customers outside of Maine. I sent a dispute letter to Early Warning on XX/XX/XXXX. However, Early Warning did not respond to my dispute even after 30 day. 

Early Warning only responded to me on XX/XX/XXXX, to only one of the accounts that was included in the dispute letter and ignored the others. Therefore, I request that the information disputed be removed from my report according to the Fair Credit Reporting Act for failure to respond within the lawful timeframe required. 15 U.S.C. 1681s-2 Please remove : XXXX XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX 
Please remove : XXXX XXXX XXXX XXXX  Please remove the inquiries that were fraudulently included into my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: OneMain Finance Corporation
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This was charged off in XX/XX/2019 for {$20000.00} and reported to the Internal Revenue Service as income. My income should not be reporte4d by the Credit bureaus. Please rm

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Nelnet, Inc.
State: GA
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: Problem with personal statement of dispute

Complaint:
Back in XX/XX/2022 I began disputing inaccuracies on my report with XXXX. XXXX is furnishing inaccuracies from Nelnet. One it is a violation of me ( the consumer ) to furnish private information to a public third party. XXXX is a 3rd party furnishing my private information. XXXX and Nelnet have violated the following rights of mine 15 USC 6802 ( a ), 15 USC 1692a ( 2 ) and 15 USC 1602 ( I ). I sent a cease and deist to Nelnet and they did not comply. XXXX is the furnishing. They are reporting late payments which is a violation and they failed to verify also some months have XXXX which means no data provided how can you furnish information if no data was provided by a company. Seems suspicious because the other bureaus are NOT furnishing the same information. XXXX is furnishing high balances which is a violation of the Gramm Leach Blilley Act meaning XXXX can not furnish transactions aka high balances. I know for a fact because I sent a cease and desist letter for an account violating the Gramm Leach Blilley Act and the account was removed because they knew they violated my right. XXXX is violating several FTC, FCRA and Privacy Protection laws. XXXX XXXX and XXXX are reporting different high balances which is a violation and means the account should be removed. I have proof that these inaccurate accounts were falsely investigated and updated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Foursight Holding LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Hello! I had a car loan through foursight Capital. I was making my payments online through credit card until one time I had to make it through cash and they claimed they never got it but they had it the whole time while treating me ridiculously rude. Saying I never sent in my payment. Then they eventually found it and it was too me for my next payment. Well, I called to make my payment through credit card and the lady told me We close in 7 minutes to call back tomorrow. That I had time to make my payment and that no one was going to come and repo my car. I got up the next day to find the repo man with my car already jacked up tried to get it where I could keep my car by calling them while he was there and they insisted that I pay the whole loan. Wouldnt take my payment online had to do a money order right then and there and now I cant even get a loan or anything because they put it on my credit. To make it even worse they did this days before my Birthday.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: ID
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been trying to dispute my credit report with experian for over a year through the mail. And experian only wants me to do it over the phone or on line and I do not want to do that. I have tried calling them and all they say is that I can do it over the phone or on line, or send in a personal written letter saying that it is me sending in the letters of dispute. When I send in a dispute all I get from experian is an email saying that they received a dispute but it doesn't look like it came from me when in fact it did. I even sent the hand written letter like they suggested and I still get the same response. I am so frustrated with them that I don't know what else to do.

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 2023-12-04
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a credit card from XXXX XXXX  ( serviced by Comenity ) used to purchase furniture for a new home in XXXX of XXXX. The credit card offered a 1.99 % interest rate for 36 months for the purchase. I have paid this account religiously. In XXXX of XXXX, I inadvertently made a payment to the account for my XXXX payment BEFORE the statement closing date at the end of XXXX resulting in 2 payments posting in XXXX. When I realized the payment posted for XXXX instead of XXXX, I immediately called Comenity to ask that they apply this payment to the XXXX billing and was told it wasn't possible. I told they would credit the extra payment back to my checking account and that I could then make the XXXX payment with that refund. Seemed logical and I did exactly what I said I would do. I made the XXXX payment with the money refunded. There was no mention of the fact that it would appear as an actual purchase subject to 30.24 % interest on my account. I did not notice what they did until the XXXX Statement when I saw that I am being charged this 30.24 % interest on revolving balance charge to the account of {$270.00}. Again, this was not a charge, it was them refunding an over payment that I made to Comenity. After 30 minutes on the phone with them this morning and no resolution I am filing this complaint. I went online and paid this balance while speaking to person # 3 of the call, a supervisor, and told him that the payment was made and that I wanted the revolving balance removed. He said he could do anything. I was instructed I had to call back after the XXXX billing period closes and request to have the payment reallocated to eliminate the revolving charge. Comenity is deceptive and is taking advantage of consumers. Had I not noticed this, I would have been charges 30 % interest on this balance for the next 16 months without knowing. I have never had an experince like this with any other credit card. I want the interest charges reversed for this fictitious charge.

Company response to consumer: Closed with monetary relief