BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-25
Company: W&A Intermediate Co., LLC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
A Writ of Continuing Garnishment was placed on my wages by Wakefield & Associates , LLC. I became aware of the garnishment after {$1600.00} was taken from my paycheck. I was not notified by the collection agency of the alleged debt, or my employer. Not my debt! Since I was not notified I was not given the opportunity to Reply and Request for Hearing to appeal this garnishment. This violated my rights. I was discriminated against due to my race! I do not owe this alleged debt of {$1800.00}. Any attempt to collect debt is unfair, deceptive, abusive, and in violation of the statute of limitations in the state of Utah.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX, XXXX, & Equifax is reporting inaccurate information on my consumer report WITHOUT permissible purpose and is causing damages to my report and my character. Fifteen United States Code 1681 A Rules of construction paragraph 2 titled exclusions states that transactions do not report to the consumer report and late payments are forms of transactions so this means that if a late payment is reported to my consumer report its a direct violation of the Fair Credit Reporting Act resulting up to XXXX $ per violation. 

XXXX : XXXX XXXX ( XXXX ) XXXX : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: Experian Information Solutions 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:
When I checked my credit report, I found that some of the information was inaccurate. The XXXXcredit bureaus are obligated to confirm these ACCOUNTS under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting ACCOUNTS as unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-06-08
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: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXXXXXX Balance Owed : {$11000.00} : XXXX XXXX XXXX XXXX Balance Owed : {$31000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Company: EQUIFAX, INC.
State: NV
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: WELLS FARGO & COMPANY
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I was attempting to call an XXXX customer service number about a package that was stolen. I called the number that popped up when I googled XXXX customer service number. They stated they were XXXX customer service and walked me through a process I thought was to get a refund. They had me send several XXXX payments to what I was told was a server that would trigger a repayment. I realized this was obviously a scam and hung up the phone. They sent several fake texts saying the money I paid for my package had been returned, as well as calling me multiple times to say I needed to finish the process. I immediately called Wells Fargo to let them know what happened and to cancel all XXXX transactions. The banker I spoke with canceled my debit card and sent a new one, assuring me that the XXXX payments would not go through because they were still pending and those payments would be canceled and returned to my bank account. The next morning, the payments had not been canceled, they had been sent and confirmed, I called Wells Fargo back and they informed me I had received incorrect information, and the banker should have filed claims for me to fight the transactions. The claims for each XXXX payment were then filed, totaling {$2400.00}. I waited 10 days and then reached back out to Wells Fargo to check the status. I was told the bank reached out to the bank that received the money and asked for a refund and they refused so the claim had been denied and there was nothing else they could do. The bank informed me that those payments from me were " authorized '' and therefore Wells Fargo was not going to refund me, even though I was not aware that I was sending money. 

Wells Fargo is holding me liable for unauthorized transactions, after telling me the transactions would be canceled.

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 2020-12-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
-Was not living at the address at the time account was opened. 
-No notification that account could be disputed. 
-No contract with 3rd party collector only original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Experian Information Solutions Inc.
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:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 2020-01-17
Company: EQUIFAX, INC.
State: MA
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:
My name is XXXX XXXX, and I became an American citizen approximately 10-years ago. Being from the island of XXXX where I was born and raised, I came to America to better myself as a member of a minority group. I started college back in 2007 to obtain a certification in the XXXX XXXX. Today I XXXX XXXX XXXX in a XXXX XXXX located in XXXX, Massachusetts. Over the past two years I combined my student loans that equate to approximately {$46000.00}. This is equal to a little less than one-years salary. My goal is to pay off my student loans within 5-years with a great game plan. However, while I was in deferment in my student  loans, I was never contacted by the Department of Education as to when payments should proceed. For several years I have not received any notices, nor was I ever called by the Department of Education. Recently, I started receiving notices from a qualified collection agency associated with the Department of Education called XXXX XXXX , XXXX. I successfully changed the status of my student loans to a payment processing arrangement, and I believe that I should be eliminated from the Department of Education data-base. The Department of Education is complicit making me appear as a person trying to dodge paying on her student loans. I find this practice highly discriminatory against a person in the minority status who was only trying to improve her position in society. The Department of Education should delete its credit reporting history on me completely and move it over to XXXX XXXX , XXXX. I have attached a copy of the repayment agreement with XXXX XXXX , XXXX, that I received after submitting proof of employment and monthly income. Otherwise, I am held in financial limbo while the Department of Education moves my files over to the new collection entity, and this will only hinder my progress on buying a home for my family. The Department of Education should either report the accounts as current or delete the payment histories altogether and move the files to the new agency known as XXXX XXXX , XXXX.. I respectfully request the associates credit bureaus such as XXXX, Equifax and XXXX XXXX to see if my rights under the Fair Debt Collection Practices Act are being held to the standard guaranteed to me by legal recourse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24
Company: AMERICAN EXPRESS COMPANY
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
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: Account status incorrect

Complaint:
XXXX, Transunion, & XXXX is reporting inaccurate information on my consumer report WITHOUT permissible purpose and is causing damages to my report and my character. Fifteen United States Code 1681 A Rules of construction paragraph 2 titled exclusions states that transactions do not report to the consumer report and late payments are forms of transactions so this means that if a late payment is reported to my consumer report its a direct violation of the Fair Credit Reporting Act resulting up to XXXX $ per violation. 

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 non-monetary relief
Consumer complaint received 2021-10-14
Company: BANK OF HAWAII CORPORATION
State: HI
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:
I XXXX XXXX XXXX  charged my account XX/XX/XXXX for the amount of {$800.00} and XX/XX/XXXX {$1600.00}. They informed me that I will be getting a refund a month went by XX/XX/XXXX I didnt receive my refund so I called the bank to file a claim. I was not given a response of the outcome of claim. I waited and merchant keeps saying 30 days every time I called. Now its XXXX still no refund. I called the bank to file a claim they wanted a confirmation letter that merchant is going to issue a refund. Then they denied my claim because merchant states they will issue the refund its been more than a year. I dont have my money. I have called the back more than 50 times and did my part as a customer. The bank has given me a run around. The merchant committed fraud by not giving me my money back and Im supposed to have insurance fdic insured but they wont do anything to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: NPAS, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
NPAS Inc. called me at XXXX XXXX to attempt to collect a debt on behalf of a hospital that was improperly billed as out of network and is actively involved in an insurance dispute. While I don't expect NPAS to be up to speed on an insurance dispute, I do expect them to not violate the Fair Debt Collections Practices Act and not call before XXXX XXXX. when they are not allowed to call you prior to XXXX XXXX. or after XXXX XXXX. unless you agree to it.

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 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Subject : Unjustified Credit Score Decrease by XXXX XXXX and TransUnion I am writing to express my serious concerns regarding the consistent and unexplained decrease in my credit score as reported by XXXX XXXX and TransUnion. Despite my impeccable record of XXXX XXXX on-time payments, my credit score has experienced an inexplicable drop of XXXX points as of XX/XX/2023. This alarming development has occurred despite XXXX XXXX 's own admission that there have been no changes to my TransUnion credit report. 

It is particularly disconcerting that this significant drop in my credit score has transpired in the absence of any adverse changes in my credit profile. All my financial obligations have been met punctually, and there have been no delinquencies or negative entries on my credit report. In fact, XXXX XXXX is not refreshing the proper updates to my my most recently paid bills to reflect the right credit score. XXXX XXXX does not fairly and accurately change my credit score when I make all monthly payments on time. XXXX XXXX fails to set the checkmark for the correct most to recently paid bill. Doing so only allows my score to drop without reason and it never increase for paying on time. 

I have meticulously reviewed my credit report daily, and it is evident that there have been no alterations, neither positive nor negative, that could reasonably justify such a substantial reduction in my creditworthiness. As a conscientious consumer, I rely on the accuracy and fairness of credit reporting agencies to maintain the integrity of my credit profile. 

This unjustified credit score decrease not only affects my financial well-being but also raises concerns about the accuracy and transparency of credit reporting practices. I strongly believe that consumers should be provided with accurate and consistent information regarding their creditworthiness. 

In light of these circumstances, I kindly request that the Consumer Financial Protection Bureau ( CFPB ) thoroughly investigate this matter. It is crucial that such issues are addressed promptly to safeguard the rights and financial interests of consumers like myself who have diligently upheld their financial responsibilities. 

I am prepared to provide any additional information or documentation required to assist in this investigation. Your prompt attention to this matter is greatly appreciated, as it will contribute to a fair and transparent credit reporting system for all consumers. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2023-02-24
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been a XXXX XXXX customer since 2023 and during that time, I have enjoyed my experience with XXXX XXXX greatly. I am writing to see if you would be willing to make a & quot : goodwill & quot ; adjustment to your reporting to the XXXX credit agencies. I have XXXX negative inquiries on the above referenced account that date back to 2023XXXX that time I have been an exceptional customer paying every month on time.Because of my exceptional payment history over the last 6 months, I would like you to consider removing the negative inquiries from my credit report.At the time of the negative inquiries, I was in the process of changing jobs. I say that not to justify why the inquiries was over the utilization, but rather to show that the negative inquiries are not a good indicator of my actual credit worthiness. I hope that XXXX and TransUnion is willing to work with me on erasing this negative inquiries from my Credit 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 2020-01-17
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
As I had trouble at first paying my student loans, I started paying them later than I ideally wanted to start. I got approved for a Income Driven repayment plan, because my salary isn't very high. Things were fine for about a year or two. I was paying every month and my credit was getting better. 

After I got married, my husband and I filed our taxes jointly for the first time. Then, without notifying me, Fedloans changed the automatic payment amount from {$120.00} to well over {$700.00}. They said it was because we forgot to renew our application for income driven repayment plan, since apparently there is an expiration date. 

Once applying it asked if we would be willing to share our IRS tax information. My husband and I spoke to at least 3 agents from FedLoan and said that even though my husband makes more money, he wouldn't be responsible for my loans. After they REapproved the income plan, they kept the amount at $ 700+. Then we called again and this time we got a different answer. 

" Right.. He isn't responsible, but you're still responsible to pay your loan and this is based off both of your incomes. '' So how can they tell me that he's not responsible, then a week later, say he is responsible. I haven't been able to pay these past 2 or 3 months and now they're damaging my credit again. 

Unfair and very dishonest. 

If anyone 's reading this, and they tell you that your co-signer won't be responsible, DO NOT LISTEN. They are not " legally '' responsible, but the only option they give you is.. your husband is responsible because his income is $ XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Grain Technology, 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: Information belongs to someone else

Complaint:
My information was negatively impacted by The XXXX Data Breach. I've been contacted by the company several times and informed them that this is an fraudulent account i did not authorize nor am i aware of. They proceeded and placed that account of my consumer report! I have experience nothing but stress, anxiety and deep depression due to the impact this has made on my life. I need these items removed from my report Immediately. I will also file a report with the States Attorney General, FTC, Securities and Exchange Commission and be sure to make my XXXX XXXX followers aware of this company fraudulent behavior against consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
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: 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. 

Account name : XXXX XXXX # XXXX name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX 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