BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-03
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX an account was opened without my knowledge. 

CREDIT CARD - " WF CRD SVC '' Credit Limit - {$1500.00} Current Balance - {$890.00} Account Type - REVOLVING Condition - Open Responsibility - INDIVIDUAL Term ( in months ) - NA Remarks- NA Date of Account Status - XX/XX/XXXX Payment Status - Current Times XX/XX/XXXX Days Late - XXXX XXXX XXXX XXXX XXXX CREDITOR INFO WF CRD SVC XXXX XXXX XXXX XXXX XXXX, IA 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 2022-10-16
Company: Experian Information Solutions Inc.
State: CA
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:
Fair Credit Reporting Act The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies ( such as agencies that sell information about check writing histories, medical records, and rental history records ). Learn more about your major rights under the FCRA. 

CLEARLY STATES IN THE WEBSITE THAT FCRA PROMOTES ACCURACY, FAIRNESS AND PRIVACY OF INFORMATION IN THE FILES OF CONSUMER REPORTING AGENCIES!! IF YOU CHECK MY CREDIT REPORT THERES NOTHING ACCURATE ABOUT IT!! DATES ARE INCONSISTENT, AMOUNTS ARE INCONSISTENT ..THEY HAVE BEEN RESPONDING THAT ITS ACCURATE IM WONDERING WHAT ARE THEY INVESTIGATING, ITS NOT MY REPORT BECAUSE MINES IS FULL OF ERRORS!! AND IVE PROVIDED EVIDENCE .... PLEASE LOOK MY REPORT AND DECIDED WHAT YOU SEE!! IM TIRED OF GOING BACK AND FORTH AND NOTHING GETS DONE!!

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 2023-10-31
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: Information belongs to someone else

Complaint:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below 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 2023-02-03
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I, XXXX XXXX, consumer, have come to the understanding that ARS Accounting Resolution Services is in violation of my rights to privacy. ( see attachments )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: EQUIFAX, INC.
State: CA
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 an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This negative item does not meet XXXX reporting requirements, i do not recognize how or why its reporting when the debt was resolved from myself to Wells Fargo Bank from XX/XX/2022. Delete immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was incorrectly charged overdraft fees on my wells fargo 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 2021-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 tried getting inquiries that I did not authorize off of my TransUnion report and the did not remove them.. the inquiries that need to be removed are as follows : XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-11-14
Company: DailyPay, Inc
State: WY
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Earned wage access
Issue: Issues with repayment

Complaint:
You work and you get to take out some money from your checks. I just switched to nights so daily pay takes 2 days. 
I requested a pay out Thursday, and I was supposed to get another one Friday. Friday we usually get paid regular checks but that has issues this weekend. I also worked the weekend. They did not give me what I was supposed to receive and the info they have available makes no sense, now they say I owe them {$180.00}?? Their accounting is horrible and they changed things so you can't go back. 

The company is Daily Pay by XXXX XXXX. I think they need an audit. I complained they are asking for to much with no response and I feel I'm not the only one, just being paid low wages I think they assume the employees are XXXX and will take their financial abuse ..how do you fix XXXX who control your money who have no way for you to talk to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
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:
The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 


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 explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Im not sure how long I closed account, but than over charging 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 explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is governed by 15 USC 1681. And they violated my rights numerous times. I demand the employment data below be removed because XXXX XXXX XXXX Employer Code XXXX Employer Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Employer Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer Code XXXX Employer Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Employer Code XXXX Employer Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these employment data.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: GOLDMAN SACHS BANK USA
State: CA
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:
This company has reported me to credit report agencies without the written and/or verbal consent of myself. This is a violation of : 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 in accordance with the Fair Debt Collection Practices Act. 

Debt collectors are not allowed to communicate with me under the 15 USC 1692C

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX Experian and XXXX should not be reporting a collection/chargeoff in the amount of {$4200.00} the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. I have also attached a copy of my Drivers license and SSN for identification purposes. ) This account is well over ( 7 ) years old and should not be reporting at all on my credit report. This false reporting is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2023-10-31
Company: Experian Information Solutions Inc.
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:
XXXX XXXX showing open account for charged off account. they will not remove this from my credit reports. FCRA

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 2023-10-31
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:
I want this account deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 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 2023-01-22
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
was charged for a transaction i did not authorize and didnt know about it and went to make purchase and my account was overdrafted and was charged overdraft fee and charged for something that wasnt 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 explanation
Consumer complaint received 2022-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I have a complaint about my bank : Bank of America, freezing my accounts for 3 weeks. A debt collector contacted them & requested them the submit a payment. Not to freeze because funds paid in full. I was unable to, access my accounts because bank of America couldn't read. The lawfirm faxed the bank 3 times to, release the freeze.

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 2022-04-22
Company: EQUIFAX, INC.
State: TX
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 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. 
XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 


15 U.S.C 16581 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 2019-06-29
Company: Franklin Collection Service, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called XXXX XXXX XXXX to get cable and WiFi and they never gave me services and XXXX is not even available in my area. They are trying to charge me for services I never received. Ive called 7 times and every time theyve kept me on the phone for 40 plus minutes only to hang up or disconnect the phone right before Im transferred to supervisor. I would pay the debt if it were mine. However not only did I not get services, my name is incorrect and I waited 3 weeks without services because they said they would come out. Please remove this. I do not owe it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My Bank of America credit card that I have a credit balance of .21 was closed suddenly after having it since XX/XX/2006. The excuse that was given was my co-applicant which is my mom had some debt. She has never been late on any of her cards and never used this card. I added her to establish credit. BOA lied by saying they tried reaching out .I asked if my co applicant is the issue take her off. They said if they open up the card than they will do that. You dummies, why not do that before you closed the card and will cost me an inquiry to try to reopen. No warnings or possible solutions were given before. The reps kept talking in circles and had a difficult time sticking to their original story. This card was closed based on assumptions. XXXX and XXXX would never act this way. My credit score is in the high 700 's but I'm being penalized again because of an assumption. This is simply wrong.

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 2023-10-31
Company: Experian Information Solutions Inc.
State: IA
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:
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. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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.

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 2021-05-13
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I received a rebate from a XXXX XXXX for less than {$20.00}. Paypal then requested a host of additional information to confirm my identity which I provided including but not limited to Drivers License, Bank Statement, SS #. Paypal then closed my account without explanation after being a customer over 5 years with no issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reached out to Portfolio Recovery to ask for a debt validation for this debt that has shown on my credit report for years. I did not refuse to pay, I simply ask that this company could send me viable proof that I lawfully owe them anything related to this debt. I did hear back from the company on with a letter dated XX/XX/XXXX. They provided notice that verifies ( not VALIDATES ) the debt owed. I received a second notice, days later that included the statements from the " original '' creditor and a letter stating that this debt collector now owns the account ( debt ) that has been purchased from the original creditor, dated XX/XX/2016. First, the information that I received is insufficient and does not provide viable proof that I owe them a dime. There is no signed contract between myself and this company, there is no invoice... only a statement was included and there is no account information that proves to me that I am responsible or obligated to pay this debt. These false and misleading actions have place this company in violation of many US codes, in which I have attached. This account has been on my credit report for years. First, according to Title 15 US Code 1692, I am the original credit and this company has admitted to purchasing this debt, therefore, it is theirs, not mine. I never, ever signed an agreement to pay this company anything. This false information is a case of identity theft as this company is claiming to be something they are not... .the current creditor. This account has been on my credit report for YEARS and has ruined my credibility. These false and misleading actions taken by this company has damaged my reputation, caused me to lose money in higher interest rates and also cause employment and housing issues. I am a single mom with children who works hard to keep my credit secure and this issue has caused much stress and grief. I have recently interviewed therapists in order to choose someone to assist me with the stress this has caused as it has damaged my mental health. These debt collectors are purchasing debts that have already been written off by their clients for pennies on the dollar and then coming after innocent citizens to wreak havoc on our lives and cause emotional and mental strain. The nature of this debt is fraudulent as I don't owe this company a XXXX dime. I have never had an agreement to pay them anything. There is no contract between us on file and they have been insufficient in providing the validation that I asked for because IT IS NOT REAL!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, I am a Wells Fargo customer since XXXX. I keep a Mortgage and a checking Account with them. I signed a Mortgage with Wells Fargo end of XXXX beginning of XXXX. This loan was rated at Four percent and the monthly fee was no more than {$350.00}. It was a Thirty year loan, but then I was offered to cut the Thirty year loan to XXXX years if I doubled the monthly payment which I did. The monthly payment came to about {$630.00}. I was doing good on my payments until I lost my job with XXXX. And this is the second time I am fighting a foreclosure. 

Thank you, 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