BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
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 contacted USAA five months ago regarding fraudulent activity/ identity theft on my credit report from their Organization. After submitting the claim 4 separate times ( since XX/XX/XXXX ) with backup documents including a police report they have closed each request/claim stating no fraud found. During the course of my submissions I continuously have to call back to obtain status updates - they only contact me for collections ( 2-4 times a day ). Ive been put on hold more then 10-15 minutes, transferred numerous times and been disconnected every single time Ive tried to obtain status on the claim ( 17+ times ) since XX/XX/XXXX. In XX/XX/XXXX alone Ive called and/or submitted to USAA on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX with Police Reports, account breakdown and the Federal Trade Commission backup. Ive spoken to the Executive Fraud Department ( ERT ), Identity Theft Dept, Fraud Dept, Consumer Lending and the Credit Card Fraud departments. None of the information seems to be visible to other departments nor do they know how to address the fraud issues to provide specific feedback.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: Self Financial Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent this company a dispute letter about reporting a late payment on my credit report. They have failed to respond back to me in writing as requested.here is my tracking number XXXX was delivered on XX/XX/XXXX @ XXXX Several of my consumer rights have been violated especially 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. They are reporting a late payment which is a transaction between me and this company. Also violating 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Im requesting proof that I was mailed or delivered 21 days before the payment date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: S&N Debt Solutions, LLC
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Confusing or misleading advertising or marketing

Complaint:
In the attempts to become debt free I enrolled all my debt with the company Beyond Finance on XX/XX/XXXX with the total amount of debt of {$26000.00}. I have never missed a payment with them. One of the agreements when signed up with their program was that I would never pay any of the debt collectors any money regardless of them attempting to settle with me and to ignore their attempts at contact because Beyond Finance was the expert and they would handle every account for me. I trusted them with my money yet I was served papers at my home for the largest account that is being managed by XXXX XXXX. The total debt was XXXX. Since I was served papers and felt in that point I wasnt being properly represented because I was served paperwork. They again reassured me everything was handled, and that they would contact XXXX and handle it. 

On XX/XX/XXXX of XXXX I was informed from an associate of Beyond Finance that they contacted XXXX XXXX  XXXX and a settlement had been reached with XXXX XXXX after they had served me papers for {$6800.00}, which I had in my savings account. I asked the beyond associate if they would take any less if i paid them with one lump sum, but was told the amount would still be {$6800.00} and opted for the monthly payments versus draining my emergency funds. I was told that my biweekly payments of {$250.00} would need to be increased to cover the settlement because there would not be enough funds after paying the other settlements. They then increased my biweekly payments to {$540.00} and have been paying them this amount since XX/XX/XXXX. 

On XX/XX/XXXX, with absolutely no notice, XXXX garnished {$6900.00} from my XXXX account and wiped every last dollar I had in my checking and savings account leaving me with negative funds and not a single dollar. 

Today, XX/XX/XXXX my wife and I received a letter that XXXX XXXX attempted to take funds from my wife and Is joint account but there was no funds available. 

I have left several messages for XXXX XXXX  XXXX to see what happened and attempt to prepare for what is happening next and am waiting to hear back from Beyond Finance on how this could have happened and what to expect next. 

This has been devastating for my family and I am at a loss on what I should do next. I work full time, I pay all of my bills on time and I went from trying to become debt free to not knowing if Ill be able to make a mortgage payment because I am not being represented the way I was promised. My wife and I have no idea what to expect when our paychecks are being deposited tomorrow and if we are completely wiped out with no way to pay for food, childcare, our mortgage or our utilities we will be in an ultimate hardship

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-17
Company: EQUIFAX, INC.
State: CA
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/2019, I disputed an account reported by XXXX XXXX account number XXXX, in my file maintain by Equifax. I check my credit file on XX/XX/2019, and it had the account from XXXX XXXX   was removed, I checked back on XXXX XXXX it was reinserted on my credit report, and now it doesn't even show where it was being reported removed in my credit file. Me being a XXXX XXXX Veteran, This was a big shock and is a very big question on the Integrity of Equifax treaty consumer with fair service. In accordance with the requirement of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. Which Equifax failed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: WELLS FARGO & COMPANY
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XXXX  my check was direct deposited into my Wells Fargo account, I paid my bills as usual and the next day my check was gone as if it was never there and I had a ton of over draft fees and the bank would never acknowledge that anything happened. I still to this day call them about it because with my check going missing and the over draft fees it ended up being about {$1000.00} gone. I was without a paycheck for over a month having to pay back the fees that they charged me. I contacted my work as well which confirmed my check was deposited to the same bank account that it was always deposited in for months. It was like the bank took my check and put it elsewhere after it was already there confirmed by online banking.

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 2023-12-15
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I 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 response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: Mercedes Benz Financial Services
State: CA
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:
on XXXX applied for finance on XXXX XXXX from MBFS.com. 
As part of approval - I had to submit an autopay form - with all my details - and a cancelled check. 
The lease was approved and I got my vehicle. 
Early XXXX I got notification that my credit score dropped with 85 points because I was 3  months in arrears with MBFS.com When I contacted them - they apologized - the NEVER loaded the autopay. I did not realize that the autopay was not collected. 
I paid immediately for all arrears - and asked that they remove the remarks from my credit score ( AS I SUBMITTED MY AUTOPAY DETAILS - AND THEY DID NOT ATTEMPT ONCE TO COLLECT IT ). 
They are impossible to work with. They can not send me any information - or instructions on how to solve this. They are not willing to help. 
I can not believe that THEIR MISTAKE is costing me. They need to solve this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Resurgent Capital Services L.P.
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: Account information incorrect

Complaint:
LVNV Funding  # XXXX Dear Consumer Financial Protection Bureau XXXX I am writing to report a violation of the Fair Credit Reporting Act by LVNV Funding . This creditor has re-aged an account on my credit report, which is a violation of the FCRA. This account should be removed immediately from my credit report. The creditor has reported an account that was closed in XXXX as being open and active in XXXX. This is a clear violation of the FCRA, as it is illegal for creditors to report inaccurate information about accounts that have been closed or paid off. 
Reaging an account is a violation of the Fair Credit Reporting Act ( FCRA ). This act states that creditors must not report inaccurate information about a consumer 's credit history. Reaging an account involves changing the date of delinquency on a consumer 's credit report to make it appear as if the debt is more recent than it actually is. This can have a negative impact on a consumer 's credit score and can lead to higher interest rates or even denial of credit.

I have included documentation with this letter to prove that the account was closed in XXXX and should not be reported as open or active on my credit report. I request that this account be removed from my credit report immediately and that any negative impact it has had on my credit score be reversed. 
Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wells Fargo closed account no reason around XXXX to XXXX never received a check with funds

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
THE FOLLOWING INQUIRIES WERE FRAUDULENTLY PLACED ON MY PROFILE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AND XXXX REMOVED THESE FRAUDULENT INQUIRIES BUT TRANSUNION HAS THEM STILL REMAINING. THESE COMPANIES DID NOT HAVE PERMISSIBLE PURPOSE TO RUN MY CREDIT AND TRANSUNION DID NOT HAVE PERMISSIBLE PURPOSE TO PLACE THESE 17 FRAUDULENT INQUIRES ON MY CREDIT REOPRT.

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 2023-06-26
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have tried to tell the bank that I was wrongfully charged for a wrong item with XXXX from the merchant XXXX. The bank is unable to resolve my issues

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 2023-03-06
Company: Experian Information Solutions Inc.
State: MS
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:
Experian XXXX XXXX XXXX XXXX, Tx XXXX XX/XX/XXXX Reported a charge off as late payment I have previously disputed account number XXXX with XXXX XXXX. The account has been closed for eight years now XXXX XXXX, XXXX. 
The IRS deems a charge off as taxable income. How is income being reported on my credit? It cant be both credit and debt. This account has been closed and Ive never made a payment to XXXX XXXX XXXX, which is the debt collector. I am requesting proof that I had a late payment in the month of XXXX, the year of 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 2019-10-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
PORTFOLIO RECOV Associates reported on my XXXX Credit Report that a Credit Card Account was opened under my name in XX/XX/2019 which is false, they have not submitted any document ion to verify this debit or give the ability to dispute this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have started using XXXX. It is a banking app that helps manage your money. It allows access to multiple accounts in one place. Capital one is blocking access and my ability to connect that account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: EQUIFAX, INC.
State: VA
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 accounts on XXXX, XXXX and Equifax ( my consumer reports ), they have violated my rights 15 USC 1681 section 602 A. states I have the right to privacy 15 USC 1681 section 604 A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions As well as the Truth in Lending act, I was never made aware of my right of recession from any loan or credit card I took out, which automatically makes the contract null and void.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I have asked the Credit Bureau and the company to do a credit search and I also did a complete search as well for the inconsistencies. 

Account Name : XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act 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 602 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-08-09
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received a letter from discover, a company I have a card with. My first suspicion is that it was addressed with an outdated address that I changed last month. The letter from discover listed my name, previous address, and was dated XX/XX/XXXX. The letter is titled unclaimed property notice the state of New Jersey requires you to notify that your unclaimed property may be transferred to the state if you do not contact us then it listed a number XXXX. The logo on the envelope does not match the logo on the letter head. I verified with discover, through my app that the letter was not sent by them. The last page of the letter included a please complete and return this full page and then goes on saying ownership acknowledgment/ check request, an issue date of XX/XX/XXXX for {$200.00} requesting my name, current mailing address, city state zip, contact number and signature. The mailing address says to mail to : discover bank, escheat unit XXXX XXXX XXXX, XXXX XXXX XXXX, utah XXXX or fax to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: Navient Solutions, LLC.
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Starting XXXX XXXX, 2017, I was called by XXXX XXXX XXXX telling me that I needed to pay a loan that I received from XXXX XXXX XXXX XXXX. They were calling my job because they said that was the only number they had for me. They also asked for my address because they did not have it. I provided them with both my home number and my cell number along with my address because I thought they were referring to something else. In speaking with them I have received conflicting information on how they received the loan. I was told that they bought it from XXXX XXXX who in turn bought it from the state of Louisiana. XXXX has sent me numerous letters telling me that I must talk to them or they were going to garnish my wages. They have also called me on a daily basis threatening me with wage garnishment if I do n't set up a payment arrangement. I researched the loan in question with both Navient and the Credit Bureaus ( through XXXX XXXX ). All sources I have researched have stated that I do not owe on this loan. My balance with Navient is {$0.00} and I have no negative hits on my credit report because of this loan.

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 2023-04-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Dear CFPB, I have had both personal and business accounts with Wells Fargo. Over 8 years ago, I had my named and association removed from the business accounts after I sold my business. These accounts appeared again on my WF online dashboard a couple of years later and I again, went to a local WF branch and had my name removed from these business accounts.

About 5 months ago, I closed my personal accounts with WF and was told that I still have business accounts with WF. Even though I was the one who created the business accounts and added a business partner later to the account, I was told it was their " policy '' is that only the business partner could remove my name. Again, I had previously had my name removed two times before. I contacted my former business partner and he was told by another WF branch that my name is not on the account, even though I was shown a screen at another WF branch that showed my name still on the accounts. By all evidence, my name has never been removed from these business accounts by WF.

After closing my personal accounts 5 months ago, I just received a change of address notice from WF stating that my address has been updated on my personal savings and checking accounts. I closed these personal WF accounts and now like the business accounts WF continues to associate my name with accounts that I have previously closed.

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