BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-07
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2023 got approved for a Wells Fargo XXXX Credit Card, I received the card after 6 days with 2 blank checks for the Balance Transfer offer so i used the first check and paid the amount back on XX/XX/2023, and wrote a second check and deposited in my wells fargo Checking Account # XXXX, then called the customer service on same for inquiry how long takes to payment posted in my credit card before depositing the check in my checking to do a balance transfer from credit card Ending XXXX to my checking Account # XXXX so the payment posted in my credit card on XX/XX/XXXX, and i wrote the check and deposit on XX/XX/2023 went to the branch on XX/XX/XXXX, to withdraw the money with no issue Later on the bank returned the check for no reason and charged my checking account for overdraft fee {$35.00} plus the negative amount of the returned check from my Wells Fargo credit card the bank all the car is, i have to pay the negative balance plus overdraft fee i will never do that, won't take any action of my side let this worst bank in the USA close the negative account and i will file a dispute with XXXX and XXXX XXXX i'm attaching all the docs to show the dates didn't do anything wrong in this transaction but this scam bank all they want charge me an overdraft and tried to convince me its was my fault

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 2023-07-03
Company: Western Mercantile Agency, Inc
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I sold a vehicle to an individual approximately XXXX year ago and the buyer never registered the vehicle into his name. The trailer park were said individual lived had the vehicle towed from the property by XXXX XXXX XXXX western mercantile insists the debt is mine, however I have a Bill of sale from the transaction. I sent an email of the bill of sale to western Mercantile agency And they said that the signatures do not match which is not true, the buyer and seller signed the bill in front of XXXX another and the buyer will attest to the transaction. This is not my bill and I provided proof to no avail. The owner of the towed vehicle is responsible for this debt, not myself. I do not live at the address it was towed from not have I ever lived at said address.

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 2023-03-07
Company: Experian Information Solutions Inc.
State: AL
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 

XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$3100.00} XXXX XXXX XXXX XXXXXXXX {$580.00} XX/XX/XXXX XXXX XXXX {$0.00} XXXX XXXX, XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX, XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

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 2023-07-04
Company: Capio Partners, LLC
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: Account information incorrect

Complaint:
These accounts do not belong to me Ive been trying to figure out what these accounts are Ive never open any of these accounts Ive been calling an getting no answer these accounts are making my credit go down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Maximus Education, LLC dba Aidvantage
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been trying to contact aidvantage for several days to get information about my student loan balance and some other questions. I have called numinous times. The hold time is over an hour, and when I am finally connected to a service rep. I am quickly disconnected. 

The one time I was able to speak with a customer service provider 100 % of the information that was provided was false. Including the phone number to FSA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: IN
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 to the Fair Credit Reporting Act and XXXX account number XXXX has violated my rights. 

15 U.S.C 1681 Section 602 S states that I have the rights to privacy 13 U.S.C 1681 Section 604 H section 2 it also states that a consumer can not premise my account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: SC
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 have filed a dispute in regards to the incorrect on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 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
Consumer complaint received 2019-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Called and submitted documents via fax and certified mail. I've asked how were these documents verified to be mine and reported correctly. The rep said it wad done electronically with short codes, and there is no such thing as a manually investigation, on top of that the representative wasn't even located in the USA. I'm not understanding how this could be, for one there are so many breaches and hack on the regular, and come to find out, someone outside the country whose not even a citizen has all of my personal information. I received a notice in 2017 from one the credit reporting agencies that all of my personal information that they had on me was exposed to XXXX knows how. I am not at the point of trying to seek legal assistance, I am a XXXX employee, working for a XXXX, i take my finances serious. I'd like for this information to be removed from my profile

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 2023-11-17
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
It is my understanding that we are supposed to receive at least 2 weeks notice before a student loan bill. Mohela sent me a welcome email on XX/XX/XXXX with a link to my account. I clicked the link to view my account and it said that my bill was due that same day ( XX/XX/XXXX ). I reached out to inquire about receiving a bill without notice and never received a response. Instead, 5 days later ( XX/XX/XXXX ), I revived an updated statement adding on the next month bill - doubling the amount that I owe ( XXXX + XXXX ) and considering the XX/XX/XXXX statement past due/delinquent. 

My account should not be delinquent considering I received no notice for the bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased 2 XXXX XXXX XXXX XXXX from XXXX XXXX. Upon opening the seats were very cheaply made and i asked to return within policy of 30 days to request a return. The seats were returned within 30 days. XXXX tracking confirmed seats delivered back to XXXX and signed for. XXXX will not issue refund. I am being charged for goods i do jot have

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 2023-02-10
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX, has violated my rights. 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. They are in violation of 15 USC 1681 section 602A which states I have the right to privacy!! also in violation 15 U.S. Code 1681 i7 show steps how proof was obtain They are also in violation 15 USC 1681 section 604A section 2 also states that a consumer reporting agency can not furnish an account without any written authorization!! 15 U.S. Code 1611- Criminal liability for willful and knowing violation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Dear Sir, On XX/XX/2018, Experian placed Fraud Alert on my credit report without my notice using my identity, also mentioned as consumer statement. I have no idea, how did Experian place so called XXXX ID security and fraud alert. Experian responded to CFPB that Experian received the fraud alert dated XX/XX/2018 from one of the credit bureaus. I have membership in all three credit bureaus and verified the details of XX/XX/2018 Fraud Alert. XXXX XXXX received the fraud alert from Experian and there is no other credit burerao initiated the fraud alert. I have all three credit bureaus reports for last three weeks, only Experian initiated the fraud alert dated XX/XX/2018. Also, I have only one credit card open with minimal balance and there are no Auto/Home loans. Experian must provide the details of this fraud alert datedXX/XX/2018 and also any fraudulent company placed this fraud alert or anyone stolen my identify and placed this identity. I have also uploaded my identification details, SSN and various details to Experian multiple times through CFPB.I have communicated to experian that Experian holds that complete legal accountability and responsibility for placing this kind of fraud alerts and mixing my SSN, there should not be anyone who is associated to my social. Could CFPB kindly direct Experian to remove this fraud alert immediately from credit report without further delays. Could CFPB to direct Experian to provide the complete details of this fraud alert dated XX/XX/2018 and source of this fraud alert, any fraudulent creditor or bank used or any unauthorized company used my identify and placed this alert. I have also observed in Experian credit report, company called " TRUE LINK '' did soft inquiry onXX/XX/2018. I do not have any business with " TRUE LINK '' and why did they do any inquiry using my identification and social. " TRUE LINK '' inquiry is fraudulent inquiry on my credit file and I do not have any business and its completely false inquiry and how did Experian allow fraudulent companies to use 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 non-monetary relief
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2023-09-07
Company: CAVALRY INVESTMENTS, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXX XXXXXXXX XXXX  XXXX which is now known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX engages in predatory debt collection. 
The law firm initiates motions in court which drags me to court. Upon arriving at the courthouse, the security officers are at times aggressive and engage in unnecessary search procedures just to make sure that individuals like me are not a threat. 
After passing through the metal detectors and thoroughly being searched, the clerk and the attorney for the debt-collection agency work in tandem. For the past two instances that I have been in court, I was specifically profiled so that I was the last individual to be seen in the court conference room. This means that for the last two sessions in the civil court, I have waited at least three hours to be seen. 
To make things worse, the clerk was disrespectful and the court sessions were exhaustive due to the numerous number of people who showed up at the last two sessions. 
I have no idea what Cavalry Portfolio Services does but in this regard in conjunction with XXXX XXXXXXXX XXXX XXXX, they create misery and havoc in consumers ' lives. 
These practices must come to an end.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: LEXISNEXIS
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
Lexis Nexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXX, GA XXXX RE : The inaccurate and certifiably noncompliant information you are reporting To Whom it may concern : I am writing you with this formal objection of information published and provided by you to XXXX, XXXX and XXXX, as reported and I demand for quick action on your part. Additionally, this notice also serves as my rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! 

You are improperly reporting an alleged Public Record to the credit bureaus that is clearly in noncompliance with recognized METRO2 Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit. Without being certifiably compliant with METRO2 reporting standards, you are in violation of the required permission to report single aspect or notation of any alleged accounts, much less a public record that was not even reported to you by the alleged Court of Record. I formally contest the reportability of the alleged Public Record.

Immediately, DELETE ALL record of the following alleged public record, or else provide certified proof that you have physically verified each notation for maximum possible accuracy and compliance with all METRO2 reporting standards. 

( XXXX  XXXX Bankruptcy ) ( XX/XX/2018 ) This Public Record item is deficient as reported, and Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and a maximum possible completeness, which extends to the reporting mandates that there be no deviation from METRO2 Format compliances since, per the XXXX, DNP XXXX Any deviation from these standards jeopardizes the integrity of the data Unfortunately. It appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Your prompt attention to this important matter is requested in order to comply federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was very ill when I was XXXX, I had to have XXXX that put me out of work for almost a year. I could not pay for the credit card but tried to discuss that with the bank, I was told there was nothing they could do and they had already placed it in collection. I was told that I could settle for a lower amount than I initially owed and that upon paying my debt would be erased from my credit history ( the main reason I paid it off ). I noticed recently that nothing was ever removed from my credit report like the representative told me it would be. I spent months checking thinking maybe it takes a while but over 1 year later still nothing. I was lied to, they just wanted to take my money, and they overcharged me for my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I contacted Equifax, XXXX, and XXXX on XX/XX/01 and was told I needed to file out an FTC report to get inquires removed.

Company response to consumer: Closed with explanation