BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-12
Company: Affirm Holdings, Inc
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I received a loan through Affirm Financing and was due to get a refund from them for a loan with XXXX. Two of the refunds were refunded to a closed checking account. The date of the refund was XX/XX/2022 and the amounts were {$270.00} and {$86.00}. I can supply bank statements for the account with a debit card ending in XXXX, as well as correspondence from XXXX Bank stating that the refunds were not accepted as the account was closed. 

The loan ID is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: WELLS FARGO & COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
On XX/XX/XXXX I used the XXXX app to send {$200.00} to my mother. Id used it before with no issues. My mother registered with XXXX so I added her as a contact. On the app, it said the money was sent to my mother and the transaction was completed. However, the last digit of her phone number was entered incorrectly, so the money was sent to someone else. 

I called Wells Fargo the same day to figure out why she didnt receive the money and they told me it was sent to an account with XXXX XXXX XXXX, which she does not have. When we realized the phone number was incorrect, I called Wells Fargo again to see what could be done. They filed a money movement claim, gave me a case ID number, and assured me they wanted to help me get my money back. 

However, on XX/XX/XXXX I got a letter stating the case was closed and there was nothing they could do. If Wells Fargo puts this service in their app to encourage customers to use it under the guise of it being safer than XXXX, why do they not protect the customers who use it? By offering it through their own app, they market it as something trustworthy and do not educate their customers about the potential risks or the fact that they can not help if something goes wrong. I expect my bank to protect me, especially when using one of its services ( the Wells Fargo App ), and instead am left wondering why they would partner up with a service that does not have customers best interests or safety in mind. 

Furthermore, the person who received my money must have also been a registered user already based on how quickly the money was transferred. ( It was not left pending, as it would have been if the user was not yet registered. ). Why didnt XXXX protect me and my money by checking that what I entered matched XXXX own records? They allow the contact to be saved with whatever name is entered by the sender. I feel like I was not informed that this was possible and assumed the information was correct because it saved with the right name. There is no step in place to protect the sender - even the confirmation step only shows the saved contacts name, not phone number, for final verification.

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 2023-07-26
Company: EQUIFAX, 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:
Upon reviewing my credit report, I have identified certain items that have not been adequately verified or substantiated by the respective furnishers. It is my right as per the Fair Credit Reporting Act ( FCRA ) to seek the necessary verification of these items to ensure the integrity and accuracy of my credit report. I kindly request that you initiate a thorough investigation into the following unverified information items on my credit report : Personal Information is Inaccurate Date of Birth, address and misuse of reported Items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-26
Company: Patient Accounting Service Center
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have called this company numerous times. They tell me they will confirm with XXXX XXXX that the bill does not belong to me. I have given them my birth date and mailing address that does not match the person they are trying to collect from. I finally called XXXX XXXX and was told this particular collection agency like others will send these letters to anyone with the same name hoping someone will pay it. XXXX assured me they would have my name and address taken off as my birth date and other information it was not even close to the person they are trying to collect from. 

XXXX XXXX- XXXX the Debt does not belong to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX NC XXXX. Please stop sending me letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Experian was contacted to help me with a fraudulent claim ( XXXX ) by XXXX of XXXX XXXX XXXX. It emanated from incorrect billing data provided by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX billed the wrong amount and the wrong insurance carrier ( XXXX XXXX XXXX XXXX ) for ER services. My insurance company ( XXXX ) denied the claim since the hospital submitted it XXXX year after my ER visit. My ER co-pay is only {$20.00}. XXXX is charging {$460.00} for a XXXX and XXXX for a XXXX. No XXXX, and no XXXX required. Experian did not speak to me personally about the matter but simply verified the claim with XXXX. XXXX did not contact me and did not follow the Fair Credit Act procedures regarding medical billing disputes. I am trying to refinance my home. Experian and XXXX refuse to remove this negative information that is incorrect. I have also disputed this information with XXXX ( File number XXXX ) and XXXX ( File number XXXX ). I hope the CFPB can help?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX XXXX Account # 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 without my written instructions. 15 U.S.C.1666b section A creditor may not treat a payment on a credit card account under an open ed consumer credit plan as late for any reason. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 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 2015-03-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have been disputing incorrect information on my Experian XXXX XXXX XXXX credit report but they are unwilling to allow me to dispute their " investigation results ''. The creditors are XXXX XXXX and XXXX XXXX XXXX. The report reflects late payments and the information is inaccurate. XXXX creditors have agreed to have the items corrected on all XXXX credit bureaus but only XXXX made the correction.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I went to XXXX XXXX XXXX in XXXX NV, and they promised to be able to have a job for me by when I graduated. It's now been over 10 years and XXXX XXXX XXXX is now closed. I have been there multiple times even after graduation up to 2 months before the school closing down. I still work as a security guard and navient is threatening myself and my mother to pay a ridiculously amount of money. My mother is on social security and I make very little money to support my family. I explained to them all my bills also letting them know I have child support being taken out of my check, and naviant stated to me, " that is not my problem, you should not have gone to school if you can't afford it. They should stop having poor people go to school ''. and they continue to threaten with ridiculous amount of money and saying if I don't pay they will ruin my life/credit and my mother 's. I am afraid to answer my phone Everytime it rings. My wife and I are talking about divorce due to not being able to repay this. I do not know what I can do and I feel I was defrauded by not only XXXX XXXX XXXX but also by naviant.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: EQUIFAX, INC.
State: GA
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:
This company continues to use unfair and deceptive means to attempt to collect a debt. They are posting inaccurate information on my Equifax consumer profile. I've contacted XXXX XXXX XXXX Equifax numerous times disputing this alleged debt. I've asked for validate & verify provide documentation that I am legally obligated to pay them. They did not. I asked them to Cease & Deists Communication in reference to the collection of this debt on all mediums including to any non-affiliated third parties. They did not. I've never gave consent for them to share any of my private nonpublic information. 
Also as defined by the IRS -Even if you don't receive a 1099C, you must report cancelled debt as gross income on your tax return. 
The IRS clearly defines a charge off as Gross or Ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT!! 
XXXX XXXX is reporting this account is C/O on my consumer report they SHOULD NOT. 
Delete this account!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Checked my credit report after filing complaint with CFPB on XXXX. Was finally able to get access to the dispute forms and the XXXX XXXX account scheduled for deletion XX/XX/XXXX2017 was still on record. After already registering with my report number, name and social security and placing the dispute in the " dispute cart '', when I attempted to upload as instructed, I was taken to another form which requested the same ( and more ) information which was already a matter of record in order to get access to the report in the first place. Screenshots attached. Designed to discourage?

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 2016-02-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
ERRONEOUS INFORMATION ON MY CREDIT REPORT, SCORING INNACURATE INFORMATION, EXPERIAN HAS N'T UPDATED STAUS CURRENT OF MY CREDIT TRADE LINES ALL IN GOOD STATUS.

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 2019-07-10
Company: Experian Information Solutions Inc.
State: WI
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: Card was charged for something you did not purchase with the card

Complaint:
Experian has fraudulently charged my credit card for {$24.00} for XXXX and XX/XX/2019 without my permission. This is an online scam by a credit bureau on an unsuspecting customer. 

This credit bureau stores the credit card for single use purchases and then fraudulently charges additional amounts without permission from consumers and for no extra services. 

This company must be penalized for these fraudulent practices. 

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 2023-12-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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 am writing in regards to the unauthorized inquiries reporting on my consumer report there has been no permissible purpose giving on my behalf these inquires are fraudulent and needs to be removed asap. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: SANTANDER HOLDINGS USA, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022 my vehicle was broken into. An individual had stolen my debit card, license, license to carry card, multiple items and belongings, including any credentials that obtain to me and my well being. On the same day of XX/XX/XXXX I had found out my debit card was fraudently used in a quick manner and the individual ( whom I don't know or have never met ) spent over XXXX $ at multiple stores and local businesses. On the same day I reported the fraudent charges to my bank immediately and before a day had even passed. I also filed multiple police reports at different police stations near and in my town. I told the bank I never gave my pin to a friend, family member, nor a stranger. I also told santander bank that I never wrote down my pin anywhere. Although I obtained footage of the fraudster using my card at a local mart and provided the bank with 3 police reports, my claim was denied. The fraudster was also caught and arrested and my cards were recovered. Although the bank knew of this, they did not complete a thorough investigation. They denied my claim within 5 business days and never reached out to me once for any additional evidence that I had. I was also denied a provisional credit. They completely closed my claim. I have been banking with then for years, and I'm deeply hurt and disgusted. I would like to request help in obtaining my funds back.

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 2015-08-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Some company posted a account on credit report that is not mines. They never even sent me a bill stating debt. But after i disputed they updated account and sent me attached letter.But company still has not provided me information on what the debt is. The letter does not even give me any type of ACCOUNT INFO. 

Account XXXX Bank XXXX, this account is not mines and this bank never sent me any information regarding this bill. I do n't know what this is.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
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:
See letter and report attached

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 2023-12-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This company has violated my rights as a federally protected consumer on permisssable purpose and furnishing information to non affiliated third parties without my consent. information is in pdf letter stating my case and complaint to them. Also all complaints and disputes to the consumer reporting agencies have not been resolved on this account. The consumer reporting agencies have also not been in compliance and have not gotten my consent to allow furnishing of this account. They have aloud fingerhut to furnish income on my reports of a charge off, have not investigative the issue properly and have not followed laws of a consumer reporting agency because they have not gotten my consent and have not investigated properly at all.

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 2023-07-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am a victim of identity theft I have sent a notarized affidavit to transunion, I have requested tangible evidence of a signed contract with my name. They keep sending me a bill from XXXX. 
Transunion is breaking the law with inaccurate information they are reporting on my credit file, they are not even answering my calls when I've called several times to speak with someone.

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 2023-01-31
Company: Credit Corp Solutions Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX, I was informed by letter that I had a XXXX XXXX period to respond to a final notice of debt collection before legal action was taken. Before that XXXX XXXX  period was over, my case was remanded to a legal team. In response, I reached out to the company, in an attempt to verify my debt. They declined to do so and reported my account to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After reviewing my credit report, I noticed an amount on my credit stating that was owed XXXX from ARS ( ACCOUNT RESOLUTION SERVICES ). On my credit, ARS is claiming that there was a service received from XXXX XXXX XXXX XXXXXXXX XXXX XXXX, on XX/XX/XXXX for {$1400.00}. I sent ARS a letter on XX/XX/XXXX, to VALIDATE this and provide me with competent evidence that I have any legal obligation to pay ARS. ARS ( ACCOUNT RESOLUTION SERVICES ) sent me back a letter on XX/XX/XXXX, only VERIFYING the alleged amount owed. That is not what I asked for.

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 2020-12-05
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I was approved for a SBA EIDL GRANT on XXXX XXXX for my business which was deposited into my account and cleared. Citibank then asked for documentation of my approved application then refused to accept the documents and froze my account and closed my account starting XX/XX/2020 which they informed me that the entire process would take 30-60 days to complete the investigation and account closure. It has been nearly five months and I have yet to receive my closure letter or my funds in the amount of $ XXXXxx from my account being closed. I have visited different Citibank branches and contacted the Citibank customer service and fraud department more than 20 times since the process has started. I have been met with unanswered questions and disconnected calls more than 75 % of the time. Every time I call the fraud department, the associates tell me that the process will take 30-60 days and that they can no longer provide any information and then proceed to disconnect the call, leaving me in a state of confusion. As I stated, Citibank has not sent me my closure letter and check for my funds as of today XXXX XXXX, 2020.

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