BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-01
Company: WELLS FARGO & COMPANY
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo Bank. 

Late morning on XXXX I deposited a check in the amount of {$350.00}. I had moved from one apartment complex to another apartment complex, and the check was from the property management company of my former complex -- a partial refund of the deposit I had paid when I had moved in. The management company ( issuer ) is XXXX XXXX- a MAJOR property management company in The US. //// I did some shopping. Went home. Checked my checking account via XXXX. The check was in my checking account and available for use. So I paid some bills with the money. //// At XXXXXXXX XXXX., on XXXX, I received an email from Wells Fargo : " Wells Fargo deposit hold alert ''. ( I still have that email if you need to see it. ) That was THE FIRST I heard that my deposit had been put on hold. Since I had " overdraft protection '' my bills that I had paid -- they did not bounce. However, WF took money from a Wells Fargo CC and paid the bills. //// I went into the bank and spoke with a banker -- but got no relief. I didn't think that I should have been 'charged ', via my CC, for covering the bills ( and I still don't ). It was only {$25.00} that WF took from my CC, but I don't think that I should have to pay the increase in interest on that {$25.00}. I KNOW that it's only {$25.00}, and the interest will hardly break my bank. As the old clich goes, 'it 's the principal of the thing '. ALL of what WF did was without my knowledge -- well, it was without my knowledge, and I was not notified of any problems until approx 15 hours AFTER I had deposited the check and paid bills on it. AND the banker wanted me to feel sorry for WF. He said to me, among other 'tear-jerker statements, that I had no idea how many fraudulent checks that are deposited in WF 's accounts each and every day. So I should feel sorry for WF? His 'stuff ' was the last straw. I would like that {$25.00} to not have the higher interest rate. And I want someone to know that WF is up to its shady banking practices once again. Thank you. Oh, I told him that I was filing a complaint with CFPB -- and he offered to do it for me. LOL Yeah, right. I declined his kind offer.

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 2023-06-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
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 have been trying to get this late off my redit report for months. I have sent in 4 disputes and nothing is being done. I have sent in proof that I myself are submitting the request to have this removed. I have filled for a full file disclosure and never received it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: JPMORGAN CHASE & CO.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am a victim of fraud and theft. I notified my bank as soon as I found the theft. I was temporarily refunded the money. Well due to some of the theft being older than 60 days, ( back in XXXX and longer ) the bank has decided that the most two current stolen ATM withdrawals are beyond the 60 days even though they only happened 45 days before I notified them. The bank has decided to retake the money back that was stolen from me. All because XXXX  has been stealing money from me since XX/XX/XXXX of 2022. Which I had no knowledge of until I found the stolen ATM money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
A collection account was removed from my Transunion credit report. My credit score did not increase as a result of the collection account with XXXX XXXX XXXX being removed from my 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 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
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 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 2023-06-01
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
i think its XXXX  that you and your agencies are blocking my ability to make a living.. just because i overdrafted a few bank account by not a few XXXX your not allowing me to have any finacial tranactions im having problems cashing a money order.. most of the negative XXXX on my file is due to idenity theft..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: MRS BPO, LLC
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: Information belongs to someone else

Complaint:
You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX ), has violated several of my rights. 
16 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
Company: Convergent Resources, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2023 XXXX notified me that Convergent Outsourcing flagged my report. This company is a debt collector who stole my identity and have be reporting false and inaccurate information on my consumer report. I have never done any business with this company nor do they have any contract that I have sign with them. I have never given Convergent nor XXXX permission to furnish any false and inaccurate information on my 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 2023-09-08
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: Reporting company used your report improperly

Complaint:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a significant error on my credit report, which pertains to late payments. I believe that this error is in violation of the Fair Credit Reporting Act ( FCRA ) and has negatively impacted my creditworthiness. 
Below, I outline the details of the issue : Description of the Error : On XX/XX/2023, I obtained a copy of my credit report from My annual Credit Report and discovered an error in the reporting of late payments on my credit history. Specifically, the report indicates that I made late payments on XXXX XXXX for the months of XX/XX/2023 when, in fact, I have a documented record of making all payments on time during this period. All this payments were initiated before the due dates in XXXX  but posted late due to USPS delays.

Evidence of Timely Payments : I have attached copies of bank statements, receipts, and other relevant documentation that clearly demonstrate my consistent and timely payments for the mentioned months. 
Contact with the Creditor : I have also contacted XXXX XXXX ] regarding this issue and provided them with the necessary evidence to rectify the error. However, despite multiple attempts, they have failed to correct the inaccurate information on my credit report.

Impact on My Credit Score : This erroneous late payment information has significantly impacted my credit score. As a result, I have faced difficulties in obtaining credit, securing favorable interest rates, and even encountered challenges in housing and employment applications.

I believe that this error is in violation of the FCRA, which requires credit reporting agencies and creditors to provide accurate and up-to-date information on consumers ' credit reports. It is my understanding that the FCRA also mandates that consumers have the right to dispute and correct inaccuracies on their credit reports.

I kindly request the CFPB to investigate this matter thoroughly and take appropriate action to rectify the error on my credit report, as well as hold the responsible parties accountable for any violations of the FCRA. I also request that my corrected credit report be provided to me, as well as any other affected parties. 
Please find attached copies of the relevant documentation to support my complaint. I appreciate your prompt attention to this matter and your assistance in resolving this issue. 
Thank you for your time and consideration.

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 2023-06-01
Company: OneMain Finance Corporation
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: Information belongs to someone else

Complaint:
You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX ), has XXXX several of my rights. 
16 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: VA
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:
EQUIFAX INC. 
c/o Equifax Information Services , LLC Attn : Division of Privacy and Identity Protection XXXX XXXX XXXX XXXX XXXX XXXX Georgia, USA Dear EQUIFAX INC. , SUBJECT : NOTICE OF BILLING ERRORDISPUTE, DISCREPANCIES IN PAYEE IDENTIFICATION, AND REQUEST FOR CLARIFICATION OF CONSUMER CREDIT REPORTING AGENCIES TRADELINES I am forwarding the attached document to your company for your immediate attention and action. This serves as my final demand and notice regarding the reinsertion or refusal to correct inaccurate information, even when presented with evidence of error from consumer credit reporting agencies. It is important to understand that such actions may be considered a violation of 611 ( a ) ( 1 ) and ( a ) ( 5 ) ( B ) ( ii ) of the Fair Credit Reporting Act ( FCRA ). These violations can result in statutory damages of {$2500.00} per proven violation. Therefore, the refusal to update my credit reports, without a legitimate reason, to reflect accurate information regarding unsecured accounts or alleged debts associated with the unknown creditor or furnisher may be viewed as a violation of the FCRA.

I kindly request that you promptly remove any incorrect items from my credit report and provide me with an updated credit report. Additionally, I expect you to update my consumer files, with the appropriate notation of Account disputed, with the consumer reporting agencies, as outlined in section 611 [ 15 U.S.C. 1681s-2 ] of the FCRA. The unresolved matter has caused me ongoing stress, anxiety, emotional and mental anguish, invasion of my privacy, embarrassment, and significant financial harm. I request that you inform me of the outcome of your investigation. 

Respectfully submitted, I am XXXX XXXX XXXX XXXX Indiana state, All Rights Reserved without Prejudice

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX has been calling me from several different phone numbers almost daily. On XX/XX/XXXX they were asked to stop contacting me. I told them I would refer them to CFPB and the FTC if they did not stop using robocallers to dial me from unblocked numbers. They threatened me with legal action and continued calling. Additionally, they refused to provide a name when asked and failed to substantiate a debt listed as " Citizens Bank ''. I have never held any account with Citizens Bank NA. I have attempted blocking their phone numbers and they call me from new ones. 

XX/XX/XXXX - Called from XXXX. Asked them to stop calling me. 
XX/XX/XXXX - Called from XXXX XX/XX/XXXX - Called from XXXX - Blocked this number. 
XX/XX/XXXX - Called from XXXX - Blocked this number. 
XX/XX/XXXX - Called from XXXX - Blocked this number. 
XX/XX/XXXX - Called from XXXX - Blocked this number. 
XX/XX/XXXX - Called from XXXX - Blocked this number. 
XX/XX/XXXX - Called from XXXX XX/XX/XXXX - Called from XXXX XX/XX/XXXX - Called from XXXX - Blocked this number. 
XX/XX/XXXX - Called from XXXX - Blocked this number. 
XX/XX/XXXX - Called from XXXX - Blocked this number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: Experian Information Solutions Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS
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:
Late Payment reported for XXXX XXXX I paid a large amount prior to the payment date. During this specific month I did not get any notifications of PAYMENT DUE. Clearly It had been paid. Historically I have paid on time. In addition to the Pandemic I was going through identification fraud via the IRS and State of California leaving me without any way to pay which is why I submitted a large amount to account for this issue and any other foreseeable issue. Due to the fact, I did not have a means of electronic payment and I only received a notification of being LATE and no NOTIFICATION of PAYMENT LATE, ONLY CHARGED A LATE PAYMENT Also, you will see it is accurate that a payment was indeed RECEIVED. I believe this is why I was not prompted to be SENT A PAYMENT DUE REMINDER - Why - Because I had made a payment. Unfortunately, I paid in that month and if it was not for the other issues along with Pandemic i would have paid it off. However, I still made my monthly obligation as noted per FCRA. I did not anticipate being chosen as a fraud error or verification of identification for both IRS and the state of California. All this was due to the fact I moved. Therefore, it was an absence of urgency due to the skeletal crew with business and USPS.

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 2023-06-01
Company: Alorica Inc.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I had a borrow and grow loan through SeedFi, the loan was then switched to another servicer of XXXX. XXXX used the savings balance of XXXX to my balance owed ( The savings of {$1300.00} was more than the balance owed which means I'am owed money. XXXX has not given direct information on how or when I will receive the money owed. I can no longer access my online account to even get records of the account or access any of the information. )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Someone changed my personal information on my DETR Unemployment card that is link with Bank of America. Changed the address and all information related to me and is collecting the money while I did not notice. I been employed since XX/XX/2020 and my bank spoke to me about fraudulent activity.

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 2023-06-22
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:
I am interested in processing disputes on my credit report to delete an remove all inaccurate information with experian that is hurting my file. this has been an issue that needs to be resolved asap. no data is valid an caused alot of denials. checking my credit report no information listed is correct an is hindering my file. please review an remove the listed items asap.

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 2023-06-01
Company: Block, Inc.
State: NH
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Sir or Madame, The Big Tech Payment Platform `` Square Inc. '' debited {$1900.00} from my XXXX XXXX XXXX XXXX savings account on XX/XX/XXXX. The transaction number is XXXX. See the attached debit on the XXXX XXXX XXXX XXXX Account. 

I do not have a Square Inc. account and never have. When I called Square Inc. customer service they told me they could not help and I would have to dispute it at my bank. Can they really debit almost XXXX XXXX XXXX from my account without any authorization? I am not sure if it is a clerical mistake or fraud yet however Square Inc. should be obligated to help retrieve funds they were not authorized to take. 

This is the kind of conduct the attached Attorneys General letter spoke about. 

Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05
Company: DISCOVER BANK
State: WA
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 requested an accommodation/modification of assistance with participating in the dispute process related to a fraudulent transaction. This request was made under ADA Title III. The request has been ignored by Discover in violation of ADA Title III.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I noticed an error in my credit report. I notified the credit card company XXXX XXXX XXXX ) via phone call. I asked them why they reported a late payment on my account. The operator stated there was no late payment on record. However, it shows up on my credit report. I was then passed on to another person at another department who tried to tell me that instead of using my current account to pay my bill, I was using a different account that was not valid. ( This statement is not true ). 
When I first received a credit card from XXXX XXXX, I attempted to set up autopay which would not work, and I had to call XXXX to set up AUTOPAY because it was obvious that the website had technical issues. 
According to the Fair Credit Reporting Act Mistakes must be removed according to FCRA rules. 
The agent stated that no LATE PAYMENT was on my file. Yet they reported a LATE PAYMENT to the credit bureaus and refused to remove the statement made to the CRA even though it is not in my file that I have a late payment issue.

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 2023-06-01
Company: SUNRISE CREDIT SERVICES, INC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/ I received a letter from XXXX. XXXX XXXX stating they were a debt collector and trying to contact me to collect a debt owed to XXXX XXXX  in the amount of {$1100.00}. XXXX XXXX XXXX XXXX. XXXX | Account XXXX. XXXX I called the number and they stated the name on the account was a person named XXXX XXXX. They had completely wrong information and I'm not sure how they had me on the debt collection. T he name and address of the original creditor is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX. This issue was resolved by CFPB. 

On XXXX XXXX XXXX Sunrise Credit Service sent a credit collection to my credit report for the same XXXX XXXX debt. Account Number # XXXX. 

I am willing to prosecute.

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