BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Experian Information Solutions Inc.
State: MN
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Minnesota XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to request the removal of several negative items from my credit report, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). These items are as follows : UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION from 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 with account number XXXX. This account has a payment history despite being a charge off, which is a violation of the FCRA. I request that it be deleted immediately. 
XXXX XXXX  XXXX with account number XXXX. This creditor has reported 60 day late payments on my account for XXXX and XXXX of XXXX, but I have never been late on this account. They have admitted over a recorded phone call that these late payments were an administrative error on their part and agreed to remove them. A copy of that XXXX file of the call is included in this complaint. The creditor has also failed to prove that they sent out an early warning notice as required by the FCRA. 
XXXX XXXX XXXX with account number XXXX XXXX with account number XXXX, XXXX XXXX with account number XXXXXXXX XXXX  with account number XXXX. These accounts have a payment history despite being charge offs, which is a violation of the FCRA. I request that they be deleted immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX with account number XXXX, and XXXX XXXX XXXX XXXX with account number XXXX. Kindly investigate and make sure these accounts belong to me because I can not recognize these businesses. Please delete these accounts from my credit report in accordance with the FCRA. 
I would like to emphasize that these items are causing significant harm to my credit score and financial well-being. As such, I request that you take immediate action to address these violations of the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
To whom it may concern, I XXXX XXXX are writing to you in reference to an account with XXXX XXXX XXXX whose reporting a collection amount of {$2000.00}. This collection agency is performing unfair practices, in which this keeps the account reporting as open/ current and does not display a closing date on my credit report. This debt also exceeds the statutory limit for the state of XXXX XXXX, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from Transunion, XXXX, and XXXX respectfully. Thank you in advance for your attention to this matter.

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 2021-03-06
Company: American Credit Acceptance, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I did not give permission to run a credit check from this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: WELLS FARGO & COMPANY
State: MN
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/2021, I made a purchase for XXXX face masks and other supplies from XXXX XXXX XXXX in New York. The purchase was a pre-order purchase that I was supposed to receive 2 months tops after my purchase. I never received my purchase months after I made the purchase and the company shut down their social media pages and their company website. The company as well stopped responding to my phone calls and email messages where I had been getting updates from them. They kept using supply chain issues with the cargo ships that are backed up at our ports and the pandemic as an excuse until they completely fell off the face of the XXXX. After people working at the XXXX XXXX XXXX New York stops responding to me via email and buy phone I decided to make a chargeback claim with Wells Fargo. I spent over a month sending in information to Wells Fargo about this claim and clearly explained that I had purchased some items that were never received. After denying me on XXXX different occasions after reopening my investigation on XXXX different occasions they finally denied me because they said that I made the purchase. Of course I made the purchase! The whole reason for me doing the chargeback was not because someone fraudulently use my credit card without my permission, it was simply because I never received the items I paid for. However, Wells Fargo and all of the employees from corporate on down say they are at the will of the claims division and every single person I spoke to at the claims division whether it was a supervisor or someone at the floor level said that they completely understood where I was coming from and that I should get my money refunded. This was on recorded lines. However, every time it came time to make a decision on my claim they came back to the same decision that they came to originally which had nothing to do with why I was making the claim in the first place. After spending an entire month, XXXX hours on the phone in XXXX and a half hours sending them information about my case I ended up at the same place I started at. I am beyond upset and stressed out and should have a great case for damages against Wells Fargo and how they have treated me during this investigation. I am extremely upset with Wells Fargo and XXXX XXXX XXXX for robbing me and no one wants to be held accountable. I am simply left standing with a {$310.00} deficit for items I never received. PLEASE 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 explanation
Consumer complaint received 2023-06-02
Company: WELLS FARGO & COMPANY
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I bid on a piece of heavy machinery at an online auction XXXX and won. I provided my driver 's license number and wired {$26000.00} dollars on XX/XX/2023 to a Wells Fargo account under the name of XXXX XXXX XXXX XXXX XXXX I received an invoice and shipping information but never received equipment. At first the representative for XXXX XXXX answered the phone and made excuses for why it wasn't shipped. I asked for a refund, and he said it would be back in our account in 24 hours. Then he stopped responding. I never received a refund or the equipment. I immediately asked for a wire recall be done through my bank ( XXXX ). Wells Fargo originally said that our wire was received and called me because they thought it might be fraudulent. They told us the money was in the account and should be able to get it back. Then XXXX and myself neither one were able to get any info further from Wells Fargo. I still do not have the purchased equipment or the money 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 monetary relief
Consumer complaint received 2021-08-01
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: Old information reappears or never goes away

Complaint:
I am a victim of identity theft. Previously, I contacted the credit bureaus regarding an account that appeared on my credit report that was fraudulent. Being a victim of identity theft I provided a police incident report, an FTC report and requested verification of the account. The credit bureaus never provided any documentation regarding the validity of the account and the account was deleted from my credit report. However, it has reappeared. Section 611 of the FCRA states : A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted ... Therefore, this account needs to be deleted. Also, it is my understanding that according to FCRA the credit bureaus must inform the consumer within five
days of any changes being made to the credit file. These credit bureaus allowed the reinsertion of this fraudulent account and never informed me of this reinsertion. The account I am disputing is XXXX  - account number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Five year ago, during my financial struggles, I was found to be deemed eligible for HAMP program through Bank of America. My home loan was modified and I received all of the benefits and protections available to me during that 5 year time period. Customer Service was first class during the 5 year eligibility and no one could touch my account outside of my assigned account manager. Well let 's fast-forward 5 years, my eligibility period has ended, no assigned account manager and ALL protections have ended ... Bank of America attacks like pitbulls. XX/XX/XXXX, I call several times disputing with BOA over PMI that I wanted removed immediately from my account. I received push back. I advised them of my rights as a consumer and threatened to report them, so the removed the PMI reluctantly. In XX/XX/XXXX, I am informed by BOA that my escrow will increase by {$150.00} because of an " anticipated '' shortfall. I called and email pleading my case. Customer service was horrific and rude! I requested a manager perform a new analysis of my account, because I would NOT be able to handle the increase. I never received the new analysis or a return call. So, I go with the program, I find myself in a state of XXXX thinking, I can't go against this banking bully or giant. XX/XX/XXXX rolls around, I find there to be a {$500.00} dollar overage in my escrow so I email and call requesting my funds be reimbursed. Feeling bullied and threatened, BOA denied my request. I was irate. For 5 years, I was treated like Royalty under the HAMP program, now you are treating me like trash. My mortgage was being paid timely. There was no late payments. I was doing EVERYTHING right, but I the consumer was being treated like a second class citizen. XX/XX/XXXX, I go to make my mortgage payment online. My mortgage has increased by {$55.00}. I was NOT notified! Reviewing my statement online, the have once again INCREASED my escrow amount. Their methods and reasons are unethical, illegal and unfounded. They had just performed an analysis 6 months prior. There was an overage going into XX/XX/XXXX. There should NOT be any PMI on my account. What is the justification for the increase? I was NEVER informed! I paid the requested amount, ONLY to prevent late payments. I am requesting that BOA unethical practices be fully investigated and exposed! I am requesting my overage be reimbursed. I am requesting that the escrow increase be removed from my account dating back to 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 2023-06-02
Company: EQUIFAX, INC.
State: GA
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:
There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX inquired on XX/XX/2022 ; XXXX, XXXX inquiries on XX/XX/2022. The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: Square Inc
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with a check written from your prepaid card account

Complaint:
Cash app scammer said XXXX send me money and I gave him my information and he threat to use my ssn for a loan

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XX/XX/XXXX : A letter/dispute was sent to all 3 credit bureaus requesting removal of discharged bankruptcy for failure to validate and provide proof of individuals where information was given from because US Bankruptcy Courts advised in writing that they do not provide information to Credit Reporting Agencies.

XX/XX/XXXX : A letter in writing was sent requesting deletion/removal of this account, to no avail. I received a follow-up stating verified, no change ; with no validation or verifiable proof.

XX/XX/XXXX : A phone call was place by myself, the consumer and I spoke with a CSR and Supervisor, who both advised me that they were not able to remove/delete this negative remark from my credit report because of FCRA states up to 10 year law, but could not provide me with information of how they were able to validate this information as requested in previous mailings. I also explained to them that it was not listed on another one of my credit reports and I could furnish a copy and that meant nothing

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 2021-08-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
XXXX ... 
.did not do what they stated or claim " XXXX XXXX XXXX XXXX gives you access to

a team of Certified Specialists that will guide you through every step in the restoration process if you become a victim of identity theft. What kinds of things can we help you with? If you suspect that your information has been compromised please contact us at your earliest convenience. Our identity care specialists will determine if an identity theft event has occurred and guide you through any necessary restoration activities like : Contacting the entity that issued the account or credentials that have been compromised ( like your bank, credit card issuer, the Social Security Office, etc. ) Notifying law enforcement Reviewing your credit report Filing the appropriate fraud alerts. Problem still exists, received lies no action.

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 2023-07-31
Company: EdFinancial Services
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My student loan was transferred over to company called XXXX. I called to make my first payment on XX/XX/2024 at XXXXXXXX XXXX and spoke to a man named XXXX he would not provide me his last name. I wanted to make a payment of XXXX $ over the phone and he processed my payment. I went to check my loan balance and it is still the same balance. When I called again they said the person who took my payment did it wrong and they will notate the account and try to switch the payment over to my new account. Its been a couple months and the problem still hasnt been resolved. I would like to make more payments but I dont feel comfortable doing it with that company if they cant even process a small payment of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: CITIBANK, N.A.
State: UT
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XXXX ) I opened a 1-year CD for {$5000.00} at 2.75 % interest online with CitiBank on XX/XX/XXXX. The CD was issued with number XXXX. 
XXXX ) On XX/XX/XXXX I called CitiBank to close the CD early and was told is would be assessed a penalty of {$28.00} leaving a balance of {$5000.00}, and I would receive a check in 10-14 days. 
XXXX ) After receiving my mail on the fourteenth day, I called CitiBank at XXXX and was told it could take 15 business days, and they would reissue the check if it was not received by XX/XX/XXXX. 
XXXX ) On XX/XX/XXXXXXXX, I called CitiBank again and finally talked to a supervisor named XXXX or XXXX, who said they were reissuing the check and he would attempt to get it expedited if possible -- was given a reference number of XXXX. 
XXXX ) Today, XX/XX/XXXXXXXX after waiting another fifteen business days and not receiving a check, I called CitiBank, and XXXX checked to learn that whoever requested the second check did it incorrectly, so he would need to cancel that check and reissue it again! I insisted that they should either send the money via an electronic transfer or mail it overnight, but he said their procedures do not permit that.

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 2023-07-31
Company: World Acceptance Corporation
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:
For months I have requested that the credit reporting agencies complete a THOROUGH investigation on the following account and send me written confirmation of the method used to verify the information being published to them. They continue to certify that the information is accurate and verified by your company, however I can't help but to notice a plethora of errors remaining within my credit report including inconsistent information between all XXXX bureaus when data furnished is from the same source so how can this be? The negligent errors reported within this account have caused issues within my household and are affecting my wellbeing. As a furnisher, there are rules and regulations you must abide by according to the Fair Credit Reporting Act. 

You are also in violation of FCRA 15 USC 1681eb. Since the account below is charged off as income, I should have received a 1099c regarding this account. I do not recall receiving this from you, but I do understand that you reported this amount as a loss. I will be requesting form 3949a from the IRS because from the reporting furnished to the credit reporting agencies, it seems you are trying to collect on an account that has already been paid. This is called tax fraud upon the IRS and you will be reported for such. I demand you to remove this item from my credit report and send the 1099-c so I can audit it to make sure you are in compliance. I'm quite sure your CEO OR VP would not want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation. 


WORLD FINANCE XXXX I'm willing to cease taking this action if you simply stop reporting this inaccurate information to the credit reporting agencies. I am requesting that you reach out to the credit bureaus and let them know that this account is no longer being furnished to my credit report due to multiple FCRA Violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: Experian Information Solutions Inc.
State: MI
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:
On more than one occasion transunion never mailed my credit report on XXXX and XX/XX/2021, in which the law states a free copy of all three ( 3 ), credit reports every one to two weeks do to the on going outbreak, I believe that someone name on my credit report maybe showing up, or something or someone is plugged into my credit 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