BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-09
Company: WELLS FARGO & COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX was taken out of my wells Fargo checking account without my knowledge or Consent. I became aware on XXXX XXXX, I immediately notified my bank, Wells Fargo XXXX department of the theft, I made the complaint and was given a case number of XXXX I was told that the money would be put back into my account writin XXXX XXXX XXXX until an investigation /resolution was made. That never happened. I received a call from a XXXX in late XXXX or early XXXX I can't remember the exact date. The agent was XXXX XXXX XXXX XXXX I called back to Wells Fargo asked for a supervisor in the fraud departmen and i made a complaint,. I was told they would be back in contact and my money would be placed back into my account. that never happened nor did I receive a denial letter or any information regarding an investigation. I've been calling for months with no resolution so on XXXX XXXX I go to wells Fargo Bank to speak with a personal XXXX named XXXX XXXX XXXX XXXX XXXX ) who called the fraud department and was told that the money should have been put back into my account but someone dropped the ball. He's relaying this to me as their telling him what happened and why I hadn't gotten my XXXX XXXX XXXX  Put back into my account and STATED to me it would be in my account with in XXXX XXXX XXXXhat never happened. I returned to the XXXX  on XXXX XXXX I agine speak with the same banker XXXX XXXX he called back to the fraud department to assist me to see what had happened. this time he and I were told that on XXXX XXXX a new case was opened with the new case XXXX he told him that's not true the original case XXXX is why we called and he stated that he and I was told that the money would be put back into my account then we were told the claim was denied on XX/XX/XXXX and that a letter was sent out on XXXX XXXX this is unacceptable I've been trying to get my money from this fraud since XXXX XXXX they never investigate this o trusted this bank to protect me and they did nothing but allow someone to take funds out of my account without my permission and they did nothing for almost XXXX months I need help to fight this and get my XXXX XXXX XXXX  Put back into my account.

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 2022-04-08
Company: EQUIFAX, INC.
State: IL
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:
I have previously sent a notice about an unverified bankruptcy that is reporting to my consumer report. This item MUST be verified with the " original creditor '' or so called furnisher. EQUIFAX claimed to verify the information but I have a letter from the courts stating they DO NOT verify with any consumer reporting agencies any information. Thus XXXX has willingly and knowingly reported unverified information defaming my credit standing and character hindering me from obtaining credit to sustain my living.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: BANKMOBILE TECHNOLOGIES, INC
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My Student Loan Refund Was Issued to Bankmobile and They Are Refusing to release my federal funds

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 2023-11-03
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
[ XXXX XXXX XXXX ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. I need XXXX XXXX XXXX  to be delete

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 2023-02-21
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: Credit inquiries on your report that you don't recognize

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. This is caused by identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Resurgent Capital Services L.P.
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LOUISIANA CHILD SUPPORT, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX 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 THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THEN 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Experian Information Solutions Inc.
State: FL
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:
I have sent A credit report dispute form to your company due to fraudulent inquiry 's reporting on my credit report. I have sent this via Certified mail to you as well as attached it here to view. I am requesting ALL be removed as i have reached out to the credit reporting companies and your credit reporting bureau with no resolution. This is my last attempt before having to contact an attorney to resolve this 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 2020-03-23
Company: Southwest Credit Systems, L.P.
State: AK
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After reading the review of the company I have attached facts that the response is incorrect I have two different addresses on each statement two different cities but I can not be in two places at once.. Both modems were turned in prior to my departure from the united states. How is that I owe a debt when I still had services until XX/XX/2019. I have misleading information and none of it is correct but the company did put this on my credit report. I will be seeking legal advice due to this false reporting on both spectrum and the debt collection agency due to furnishing incorrect information on my credit report I also have receipts of BOTH turned in modems as well. This is my final attempt to resolve this matter at the lowest level. According to the FCRA, Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. Furthermore, A creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate. That includes : reporting a  debt as charged off when you settled it or paid it in full.Misstating the balance due reporting late payments when you paid timely listing you as a debtor on an account when you were only the authorized user, or supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: SN SERVICING CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To Whom it ma concern, i'am writing to file a formal complaint on a company called SN SERVICING CORP . They service my mortgage loan, i live in California and the governor order the closure of all non essential businesses so I had to shut my doors for the time being through these crisis and times of hardship. 

I called my asset manager to express what is going on and tell her and sent her proof of the documents from the county and state requiring my closure she stated she doesn't have any say it is up to the investor. I asked who is the investor she gave me a name of XXXX XXXX XXXX XXXX XXXX XXXX, WHAT CAN I DO I NEED HELP OR DIRECTION. 

In addition there is no sympathy to our situation from anyone in that company to work with us or explain anything to us all they say is its up to the investor and we do not know who that is. CAN SOMEONE HELP ... ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: AFNI INC.
State: IN
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:
I was contacted by AFNI in early XXXX referencing a credit report entry from XX/XX/XXXX suggesting that I owed {$540.00}. I responded by sending a letter dated XX/XX/XXXX requesting to settle the debt. I requested that I received correspondence with 15 days of the offer to settle otherwise I would require a full verification of debt from the collection company. I did not receive a verification of debt at all. XX/XX/XXXX, I received a letter from AFNI stating that it was not handling the account and the entry on my credit report would be removed. I found that the collection was no longer on my credit report. A day or two later I received a letter from XXXX XXXX XXXX XXXX stating that the same account number was placed with them for collection and if I fail to pay the obligation a negative credit report may be submitted which feels very threatening. The letter also stated that I can dispute/ ask for verification but I could be sent a copy of a judgement or a verification. I will send the dispute regardless but the fact that I never received a verification from the first collection company doesn't give me evidence that I'll receive verification from the second one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid 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:
In XX/XX/2022, My card was charged at an airline for {$1800.00}, When I found out i called my bank CITI BANK credit card # XXXX very same day ( which was my part of responsibility ) and informed the transaction and a dispute was opened, on the XXXX they denied my claim saying the address matched on the profile but when bank secured information from that airline it had passengers that i don't even recognize at all.Just on that basis they denied than i called and explained them again, i left that place 1 month ago and i haven't been on that address and somebody got hold of my mail or something, they sent another denial on XXXX of XXXX, saying the same reason. i don't know those individuals who bought the ticket, bank neva carried their verification by sending a text message because i never shop these huge amounts. i am a XXXX student and i would really appreciate any help on this 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 monetary relief
Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I've called to get my report sent to me which I was told it would. but upon asking Rep asked me fr my social security number. and provided a disclosure I had to sign before submitted my s.s. The disclosure statement did not specify whether providing my personal information was mandatory or voluntary. This lack of clarity led me to believe that I had no choice but to submit the information. When I asked the representative for clarification, their response did not address my concerns. I am concerned that this situation may violate my rights under the Privacy Act of XX/XX/1974. Additionally, I suspect that this lack of transparency may also be a violation under 15 U.S.C. 1640, which addresses civil liability for certain failures to comply with the Truth in Lending Act 's requirements.

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 2023-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A notice was issued to me on XXXX XXXX from the IRS stating that we owed money for our 2021 Form 1040 Tax Return because of a Cancellation of Debt to Bank of America ( BOA ). The claim is that a 1099-C in the amount of {$25000.00} was issued by BOA to me but was not reported on our tax return, and the IRS is therefore claiming we owe {$3100.00} plus interest for a total of {$3300.00} on our 2021 taxes. 

I have contacted Bank of America and have concluded the " Cancellation of Debt '' was for an account that did not belong to me. It was attached to my SS number, but I have never had a BOA account, and the associated e-mail address never belonged to me.

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 2023-01-19
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:
I disputed XXXX XXXX XXXX collection account with XXXX XXXX, XXXX, and Experain. All three reporting agencys are still reporting the account accurate. I send all three agencys the receipt from the medical provider Preferred Imaging showing a zero balance and the state from my insurance provide XXXX XXXX XXXX XXXX XXXX Texas.

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 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 2023-01-09
Company: EQUIFAX, INC.
State: AR
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:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
State: PA
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 sent a dispute registered mail with return receipt to all three credit reporting agencies on XX/XX/2023. The credit reporting agencies did not do an adequate investigation within 30 days violating 15usc1681e ( b ) ; 15usc1681i ; 15usc1681c ; 15usc1681n ; 15usc1681a ( 3 ) it is now XX/XX/2023, and the dispute still has not been initiated nor finished NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL The attachment shows 35 different reasons why these accounts shouldve already been deleted. The account not being deleted, proves I am owed monetary compensation for the violations of the fair credit reporting act

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 2021-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report.To this day over 46 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) is is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 46 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the wrong hands of the wrong person.

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 2022-04-08
Company: LEXISNEXIS
State: NY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX DOB : XX/XX/XXXX LexisNexis XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Consumer Financial Protection Bureau po box 27170 Washington XXXX DC XXXX XX/XX/XXXX XXXX : Request for VALIDATION, NOT VERIFICATION RE : CFPB Complaint Number # XXXX Subject : XXXX XXXX XXXX XXXX A To Whom It May Concern : This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is an FDCPA violation and you continued to report a disputed debt to the Credit Bureau, another FCRA violation. Not only have you ignored my prior requests for validation of debt, but you continue to report this debt to the credit bureau causing damage to my character. 

This letter will AGAIN request that you follow the FDCPA and please provide the following validation of the debt request : Proof of your right to own/collect this alleged debt Balance claimed including all fees, interest, and penalties Contract bearing my personal signature As you may be aware, Estoppel by Silence legally means that you had a duty to speak but failed to do so, therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 

I expect to receive the proof requested above within 15 days of this letter. 
Should you again ignore my request for validation of debt I reserve the right to - your company for violations of my consumer rights as specified under both the FDCPA and FCRA. I may also seek damages from you if warranted. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation