BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-27
Company: ENOVA INTERNATIONAL, INC.
State: FL
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:
In 2020 during the start of Covid I lost my wallet and it took about 3 days before I received it back. It somehow appeared back at the location at the counter. I did not file a complaint because I ended up finding it. Ever since then I kept seeing random inquiries populate on my credit report. Ive tried to dispute them but Im not getting any feedback or help. This has been so stressful as its damaging my credit. If you guys need the accounts that I do not recognize I can list them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the XXXX  you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
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:
I had a bank account with Wells Fargo from the year XXXX until XXXX. I was no longer working and was charged astronomical over draft fees for the first time ever. With that being said they closed my bank account because I was unable to pay them back within the time frame they needed it. They were ok with taking and cashing XXXX checks XXXX checks at one point but when I couldnt pay back XXXX they harassed day and night and now I no longer have a bank account and can not open one up because of this! Its not fair!

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 2023-01-07
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-05-07
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a new complaint regarding open case XXXX. Wells Fargo continues to lie to CFPB in their response. The complaint was submitted on XX/XX/21 and till this date, they have not resolved the issue. In their response to CFPB XXXX, Wells Fargo indicated that they need more time because they were unable to reach me. This is inaccurate. If CFPB does not regulate banks and start having consequences for Wells Fargo for continuously lying to consumer and CFPB, I will start writing to the Senate and House Financial Committee. 

Till this date, besides receiving a letter from Wells Fargo stating that they are still researching and assign my case to XXXX XXXX, XXXX, I haven't received any phone contact from Wells Fargo. It's inaccurate for them to say that they were unable to make contact with me. I called Ms XXXX on XX/XX/21 and XX/XX/21 and left messages on both occasion and I haven't received any return call. I called XXXX and spoke to XXXX XXXX on XX/XX/21 around XXXX XXXX Pacific Time and spent 23 minutes and she was unable to find someone to assist me. I finally ended the call and told her to get someone to call me back which I haven't.

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 2023-09-26
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:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL 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 2023-01-06
Company: EQUIFAX, INC.
State: OH
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. 

DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
ON XX/XX/XXXX MY ACOUNT WAS HACKED BY SOMEONE IN FLORIDA AND ON THE XX/XX/XXXX A TOTAL OF {$4000.00} WAS DRAFWTED OUT OF MY ACCOUNT AND DEPOSITED IN FLORIDA. WORKING WITH BACK OF AMERICA {$1000.00} WAS REFUNDED BACK TO ME BUT {$3000.00} IS STILL BEING DENIAD. On XX/XX/XXXX THE PERSON IN FLORIDA CHANGED MY MAILING ADDRESS TO THEIR ADDRESS AND ORDER THEM SELFS A REPLACEMENT DEBIT CARD WHITH BANK OF AMERICA EXPRESS SHIPPED TO THEM. PERSON SIGN XXXX TO GET CARD AND PRECEEDED TO ACTIVATE DEBIT CARD AND TRAMSFER FUNS INTO A XXXX XXXX XXXX IN XXXX FLORIDA. NOW AFTER SENDING THE PERSON MY PERSONAL DEBIT CARD IS DENYING MY CLAIM FOR THE {$3000.00}. I NEED HELP

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 2022-04-30
Company: EQUIFAX, INC.
State: AZ
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:
I have an inquiry on my consumer report that should not be there XXXX XXXX ( XX/XX/2022 ), it has been on my consumer report for about a month now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Apparently PNC has stopped allowing their bank accounts to be connected to XXXX. This renders XXXX virtually useless for me since I can no longer transfer funds to my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$4700.00} XXXX  XXXX Balance : {$11000.00} ONEMAIN XXXXBalance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

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 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
There is an account on my credit report from a gym called XXXX, XXXX XXXX XXXX XXXX. The information states the I had an account with this gym and that it was not paid. I never had a membership at this gym and never signed up for any membership at this XXXX. The account is not mine. I have sent letters to all three credit bureaus as well as the collection agency explaining that these accounts are not mine and they have still not removed the incorrect information.

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 2021-07-27
Company: Mr. Cooper Group Inc.
State: LA
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've tried numerous times to have Nationstar dba Mr. Cooper mortgage company update my credit report in a timely fashion. I've had to contact them every 3 months to get them to report it on time. Its still showing the last payment as XX/XX/XXXX. I need the XXXX and XXXX payment updated. Last payment {$1400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
this is reguarding a closed complaint # XXXX if clam that be thet they are having trouble to conform 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 explanation
Consumer complaint received 2023-09-29
Company: Monarch Recovery Holdings, Inc.
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:
On or around XX/XX/XXXX, I received a letter from the collection agency, The XXXX XXXX XXXX XXXX, stating that they were trying to collect a debt ( {$360.00} ) that I had with XXXX XXXX XXXX XXXX. ( XXXX XXXX XXXX ). And they will use any information I give them to collect the debt. Ref. # XXXX Additional collection agencies whom I received the same type of letter : XX/XX/XXXX - XXXX XXXX XXXX - {$570.00} ( Original creditor XXXX  XXXX XXXX. regarding XXXX XXXX XXXX - XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX. - ref. # XXXX - {$320.00} - regarding XXXX XXXX  In accordance with the Fair Credit Reporting Act, the list of accounts attached have violated Federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.

15 U.S.C. 1681 section 602 A, states that I have the right to privacy.

15 U.S.C. 1681 604 A section 2 : States that a consumer reporting agency can not furnish an account without my written instruction.

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 7 years.

15 U.S.C.s 2 ( A ) ( 1 ) states a person shall not furnish any information relating to consumer t5o any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. See attached supporting docume

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I received a charge to my bank account from PayPal on XX/XX/XXXX for {$33.00} marked XXXX automatic payment. The shipping address noted in PayPal is XXXX XXXX XXXX XXXX XXXX, NJ XXXX. I dont recognize this address and it sounds made up since XXXX is in California , not New Jersey .

I did not make a purchase from that company this year and do not recognize the charge nor the Shipping Address. I found the charge on XX/XX/XXXX and used the Report a Problem button on the PayPal app to request a refund. I still have not received an acknowledgment or reply from PayPal as of XX/XX/XXXX. On XX/XX/XXXX I called XXXX and was told that the charge was affiliated with an email address that does not belong to me. The merchant said they will process a refund in 25 to 30 days. My complaint is that PayPal allowed a fraudulent transaction on my bank account and does not respond or acknowledge my problem report and 25 days is too long to wait for reimbursement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06
Company: Resurgent Capital Services L.P.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
First let me state that I my information has been compromised by OPM Data Breach as well as XXXX Data Breach. I noticed a recent charge on my credit report initially from Resurgent, dba LVNV. Per CFPB Validation Notice Letter, a precise request, following CFPB guidelines, on XXXX XX/XX/XXXXXXXX  to LVNV. Per CFBP Debt collection rules and Debt collection rights ; LVNV failed to follow CFPB guidelines and comply with FCRA and FDCPA " VALIDATION '' per the letters request, within the 30-day guideline XXXX XXXX ). 
The company, Resurgent sent a noncompliant response, dated XXXX XXXX XXXX providing an " enclosed account summary which provides " verification of debt, '' NOT VALIDATION ( see attached ), not in compliance with FCRA nor FDCPA. LVNV/Resurgent failed to VALIDATE within the 30-day deadline. In addition to violating FCRA and FDCPA, LVNV/Resurgent requested " contact one of their Customer Service Representative . '' A debt Validation Notice was sent via certified mail to LVNV On XXXX XXXX XXXX, which Resurgent acknowledged receiving ( see attachment ) a copy of the letter on XXXX XXXX XXXX ; per certified documentation. However, LVNV in their written communication responded as Resurgent Capital Services & but are reporting to credit bureau as LVNV. 
It appears that this company is practicing unscrupulous monopolizing practices and is unable to decide if they are LVNV or Resurgent Capital Services ; either way, it is illegal to report the same debt ( double dip ) as two separate companies. It's called " monopolization '' and under FTC regulations, it is violating 9-28.000 it's illegal. As such, I've also filed a complaint with DOJ with their documentation as well regarding debt reporting as two separate companies ; i.e. sending correspondences as Resurgent and reporting to credit bureau as LVNV on my credit report. 
Again, Resurgent Capital/LVNV failed to comply with CFPB guidelines, FCRA nor FDCPA, Validation Notice Letter as set forth by US Congress . 
Either way, LVNV/Resurgent failed to comply with the 30-day regulation by failing to validate the debt ( see attached Validation Notice Letter sent ) ; as such, failure to comply requires that Resurgent/LVNV must immediately remove/stop negatively reporting to all 3 credit bureaus. 

Additionally, I had accounts with XXXX XXXX ( XXXX XXXX ) & paid my debt. I also called XXXX and spoke with a representative that stated I 'did not have an account that I owed at XXXX . ' When I asked if she could send me an email confirming it ; she stated I 'did n't need one b/c I didn't owe anything. ' I know the company records their messages and can listen to the message.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of identity theft & the person is completing applications in my name without my permission. I have included my identity theft 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 2021-07-27
Company: TD BANK US HOLDING COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Target XXXX XXXX refuses to tell me when the account 's available credit line will reflect a large payment I made to my Target store credit card account. 

I paid {$1400.00} to my Target store credit card on XX/XX/2021 via an ACH debit to my bank account using their online payment service. The payment posted timely and reduced my outstanding balance. However, the payment did not increase the account 's available credit at the time it was posted. I understand that large payments are not always made available immediately but I want to know when the payment will be made available. 

After nine calendar days the card 's available credit still was not increased, so I sent a secure message requesting the date on which that would occur. They responded that payments are sometimes held and offered to schedule a conference call with my bank to confirm the ACH has settled. I replied, informing them that they did not answer my question and clarified the information I was looking for. In their reply, Target XXXX XXXX repeated that they sometimes hold payments, stated they are allowed by regulation to hold payments, were in the final stages of confirming the payment, and informed me the only way to make the credit line available was to schedule a conference call with my bank. They still did not answer my question. 

To be clear, I am not complaining about the length of time Target has held the payment ( although it is on the long side of being reasonable ). I am complaining about Target XXXX XXXX 's lack of transparency, arbitrary way of handling payments, and unwillingness and/or inability to answer a consumer complaint. 

My correspondence with Target XXXX XXXX is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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: Account status incorrect

Complaint:
In XX/XX/2018 I had to file for personal bankruptcy due to a failed business which I had personal guarantees on. I have a car loan with Nissan and I have never been late on a payment and I have been making payments since filing. Nissan has filed a negative credit report against me and will not report that I have been making payments. Since the bankruptcy was business related it has taken a long time ( 22 months ) and it is due to close in 30 days. 

This negative report and refusing to report that I have been making my payments is negatively impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 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 Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation