BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-07
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
XXXX XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX. XXXX   XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX  XXXX N/A XXXX N/A XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY 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 2023-10-06
Company: Experian Information Solutions Inc.
State: TX
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:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 explanation
Consumer complaint received 2021-03-18
Company: EQUIFAX, INC.
State: MI
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:
XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to Equifax, XXXX XXXX. 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: SYNCHRONY FINANCIAL
State: PR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX, XXXX I request a credit promotion on XXXX XXXX XXXX for the purchase of two bedrooms furniture for the total of {$2400.00} to be payed in 33 months that ends on XX/XX/2021. The first problem was that they don't sent me the first statement and I call them to know what happened, they have the wrong address, because of that I had to pay {$170.00}, {$150.00} for the past due and current monthly payment, also that I have to pay a late charge of {$27.00}. The store never told me that the monthly payment are {$76.00} and that payment aren't fixed. Because I understand that the payment are fixed and as the balance go down the minimum payment go less each month, I pay {$170.00} instead the {$76.00} appear on the first statements. After few months and paying {$100.00} I notice that the minimum payment continue the same, {$76.00}, I contact the Synchrony Bank, the financial institution that support the promotional credit of XXXX XXXX XXXX and they told me that my contract are a promotional credit offer not a revolving credit card, so that I have to pay the {$76.00} minimum payment no matter what if I pay more than the {$76.00} on each one of the past payments I made. I call them and made a claim about that and they told me, that I can't pay in the 33 months now, told me that I can continue with the minimum payment of {$76.00} even if I pay in full in less the 33 months. 
I want to know what's are my rights to pay in the 33 months as told me the XXXX XXXX XXXX store where I make the purchase.

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 2023-04-06
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I used to work for BB & T and opened the account the company offered which was a premium account that had requirments or cost $ XXXX a month. since i was an employee, i feel that back in XXXX when i opened it the company steered me to the product. All was fine when I was an employee, all was fine after I left the bank in XXXX of XXXX until I sold my home and started incurring an approximate $ XXXX/mo fee because I had no mortgage and no longer worked there. I feel that part of the off boarding should have been to address this potential impact. We have tried to close the account but the customer support team responds with " you need to come in person to close the account '' even though we moved to an area where I can not readily access a Truist location. ON top of the trapped in the account status, they pull the money out of the account and then charge overdraft fees on top of the monthly account fee.

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 2021-02-17
Company: U.S. BANCORP
State: CT
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I was sent a Visa gift Debit card for {$100.00} when I 1ST went to use it did not work I called the phone # on the card XXXX they told me the card had a XXXX balance Also someone called in to register the card in there name ( this was FRAUD ) I was told to provide the following info : 1 Copy of VISA Debit Card front & Back 2 Prepaid card receipt 3 My Driver 's License 4 Cover Letter The first time I sent this Info one phone Rep said it was received 2 weeks later told they have no record of my info 2ND time I FAXED the info TOLD ME TO USE THIS ID # XXXX PLEASE CHECK with US bank NATIONAL ASSOC last CALLED TOLD TO GET A POLICE REPORT FOR {$100.00} always a new request from card holder services ( big run around ) I TRYED TO GET VISA INVOLED NO HELP DID NOT CARE!

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 2021-10-21
Company: Specialized Loan Servicing Holdings LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Specialized Loan Servicing is now demanding foreclosure or me to send them an absorbent amount of XXXXThey will not give me the name of the Bank or Loan holder. XXXX XXXX had my mortgage loan and pulled out of the state. Leaving me and lots of other people with a fly by night company. Named Specialized Loan Servicing with a XXXX XXXX XXXX rating of one star. They put me on a corona virus program called a loan deferment program. Which than put us in deeper in debt. The program was utterly useless. So we've requested our payments to be put on the end of the mortgage. They sent us a request form for our pay stubs on Thursday than on Friday sent me & told me they are starting foreclosure. Than Saturday sent me a new drive by appraisal. They would not give the name of the Bank or Loan holder. They offered us to put the deferred payments on the end of the loan. And than took that offer totally away before we sent them any pay stubs and a letter to review. Yet said they reviewed it which they did not have yet to review whatsoever. Any help to have our payments put on the end would be much appreciated! Thank You! Signed : 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 explanation
Consumer complaint received 2018-04-12
Company: Ad Astra Recovery Services Inc
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Date : XX/XX/2017 Amount : {$570.00} I received the loan for a friend, and she promised me that he will keep up with the payments so I will not have this on my credit, but she never paid me back. As I check my credit I see that the debt was closed and have been closed for months and I want this deleted off of my credit. I tried contacting the company but they will not remove the deleted account off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Paypal Holdings, Inc
State: WV
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 PayPal account has been permanently restricted without notice or reason given. My account is locked for 180 days and no ability to remove my cards or funds. Again, no reason given and the help number could give no information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Nelnet, Inc.
State: LA
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:
Identity theft is the intentional use or possession or transfer or attempted use with fraudulent intent by any person of any personal identifying information of another person to obtain, possess, or transfer, whether contemporaneously or not, credit, money, goods, services, or any thing else of value without the authorization or consent of the other person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: CashMax LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
Hi someone took a loan out in my name and I owe XXXX. I think my wife did it without my consent. My wife told me it was fraud and she didnt take it out in my name. I suffer from sever mental illness and dont remember giving her consent at all. Please everyone be careful with your information and dont give it out period to anyone or you will be in my shoes with a loan in your name that you never took out or authorized.

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 2023-01-20
Company: Experian Information Solutions Inc.
State: FL
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:
Fraud has been committed on my consumer report, which violates the FCRA and FDCPA. 
" XXXX XXXX '' using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ) 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. *Purchase Agreement* Evidence that you are a licensed debt collector *Chain of Title* Proof that you are a license debt collector to collect in my state. *A requested copy of your State Department of Commerce and Insurance Certificate . THIS IS A REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C. $ 9-210. This authenticated record must include all tax filings ( including all 1099 's, 1096 's, and 1098 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have this tradelines PERMANENTLY DELETED from my consumer report.

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 2022-08-31
Company: Experian Information Solutions Inc.
State: VA
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 pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2019-05-01
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
To Whom it May Concern, I am writing in regard to my original complaint, XX/XX/XXXX. In my original complaint, I communicated that I was told my transfer did not occur. I asked for the recording to be reviewed, because I was told time and again the transfer showed it did not happen, and that all of the fees should be returned to me. I waited for this to be corrected. I was assured by the management team on the phone that they were working to achieve this. So I waited. As interest accrued on my account, I was concerned ; which I communicated on every call. Now, because I was told this was going to be corrected, {$3800.00} worth of fees, and interest were assigned to my account I asked that the calls be pulled, and listened to, in an effort to have the facts confirmed, as this was a conversation in each call. In the letter dated XX/XX/XXXX from the office of the president, it states my call could not be substantiated. Moreover you will find a letter for a bank transfer we completed on XX/XX/XXXX for a completely separate 0 % transfer, from Barclays. I never received a letter like this for the transfer I am disputing. 

I had to go through the action of closing my account, just so I could capture confirmation that every call is recorded. You will read ( and hear ) in the call I recorded that there are notes stating I was told this was an error. 

Not only is Barclays withholding the interest in the amount of {$3800.00} ; they held a {$34000.00} over payment from my company for 7 weeks. They would not allow me to utilize the credit, nor did they return the finds in a timely manner. I had to call every week for seven weeks to receive my money back. During each call, I was told a different story. This is scribed, and included in the audio I am attaching. 

I have scribed the conversations supporting my claim, along with the recorded conversation. 

In fact, there was a supervisor I named in my original report, XXXX who confirmed on XX/XX/XXXX I would receive my money back. You will hear XXXX on the recorded audio stating every single call is recorded. This would include hers on XX/XX/XXXX. 

I continued using my Barclays business credit card, and as I charged, I would pay the balance I charge in full. The interest accrued is all from the transfer that I was told should not have happened. 

There have been several news stories, where banking facilities have taken advantage of consumers. I would like to have my interest back. I should never have had to pay it. The bank should have, after listening to all of my calls ; simply refunded this. 

I own a small business, and am completely shocked that a large banking facility would work so hard to undermine a consumer by misleading them, so they can capture interest. 

Respectfully, 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 explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: NJ
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Well Fargo offered a savings account opening bonus offer of {$520.00}. 
I opened the account with a deposit of {$25000.00} on XX/XX/2023. Funds were left on deposit and a withdrawal of {$21000.00} was made on XX/XX/2023. 
Wells Fargo refused to pay me the bonus because they claim I withdrew my money too early. 

How to qualify for your {$520.00} bonus : Eligibility Requirements : This offer is for new savings customers only. All Wells Fargo consumer savings accounts are eligible for this offer with the exception of Time Accounts ( CDs ) and savings accounts offered by Wells Fargo XXXX XXXX. 
You must use your bonus offer code at account opening when you apply for a new eligible Wells Fargo savings account. 
You are not eligible for this offer if : You are a current owner of a Wells Fargo consumer savings account You have received any other consumer savings offer bonus or promotional rate that required a bonus offer code within the past 12 months, You are a Wells Fargo employee Bonus Requirements : To receive the bonus, you must : Open a new Wells Fargo XXXX savings account with a minimum opening deposit of {$25.00} in a Wells Fargo branch by XX/XX/2023. All account applications are subject to approval. 
Bring {$25000.00} or more in new money to your new savings account by Day XXXX and maintain at least a {$25000.00} balance through XXXX XXXX after account opening. 
New money is money that is new to the customer or new to Wells Fargo ( deposited into the customer 's new savings account directly from outside of Wells Fargo and XXXX and all affiliates, or from a Wells Fargo account not owned by the customer ). 
Bonus Payment : We will deposit your bonus into your new savings account within 30 days after you have met all offer requirements. 
The new savings account must be open at the time we attempt to deposit any earned bonus payment. Please note that an account with a XXXX balance may be closed by us without prior notice, as further described in the Deposit Account Agreement. 
You are responsible for any federal, state, or local taxes due on the bonus and we will report as income to the tax authorities if required by applicable law. Consult your tax advisor. 

I feel I fulfilled all the requirements and I hope you also agree. Thank you. 
.

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 2023-08-15
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that these items were erroneous. The 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 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 response to consumer: Closed with explanation