BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2011 Wells Fargo allowed XXXX income tax to take money out of my Florida checking account in the amount of {$1000.00} then charge me {$100.00} for the transaction. That was my Social Security income. A few months later Wells Fargo notified me that XXXX tried to take another {$400.00} but refused at that time. I would like to know why they felt it was right the first time but not the second time. Also, Wells Fargo has not explained the reason why they felt it was necessary or the right thing to do legally. I would appreciate your getting an answer from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: MN
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:
XXXX XXXX XXXX violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so XXXX XXXX XXXX has violated this law because this late payment is reporting on Equifax, XXXX and XXXX 15 USC 1681a ( 4 ) says, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so XXXX XXXX XXXX has violated this law because this late payment reporting on Equifax, XXXX and XXXX is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX XXXX XXXX has violated this law because they furnished this EXPERIENCE to Equifax, XXXX and XXXX and I didnt give them permission to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Experian Information Solutions Inc.
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:
In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

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 an account without my instructions.

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. 

XXXX XXXX XXXX Companies XX/XX/2022 is a duplicate inquiry and I have requested on several times now to have it removed but the company Experian has refused.

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 2023-05-15
Company: T.S. Holdings
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I.Q. Data international inc. had 2 judgements against me with 2 different case numbers pertaining my old apartment. I have paid them and the sent me a receipt indicating XXXX dollars are owed and they will only remove 1 of the 2 judgements they hold against me. When I call them they say I have to continue disputing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: EQUIFAX, 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:
Equifax is giving me a hard time removing fraudulent things that are reporting on my credit report I also notified Them of my information being in their Data breach so I feel that I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hope this letter finds you well. I am writing to formally request the removal of late payments from my accounts. I understand the importance of accurate credit reporting and am reaching out to seek your assistance in rectifying the information associated with my account. I understand that your policies and procedures must be followed, and I am prepared to provide any necessary documentation or information to support my request. If there is a formal process for disputing or requesting the removal of late payments, please guide me on the steps required. XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or XXXX - XXXX XXXX  and XXXX XXXX XXXX XXXX XXXXXXXX customer service representative.

Company response to consumer: In progress
Consumer complaint received 2023-07-05
Company: EQUIFAX, INC.
State: MD
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:
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. 

( acct ) XXXX Account number # XXXX ( inq XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-08-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. NEGATIVE UNITS TO COME OFF : XXXX ( EACH BUREAU ) : TOTAL UNITS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: In progress
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: PA
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 recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a new home for my family. please remove the fraudulent accounts from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I tried to rent an apartment and was denied. I requested a copy of the credit report and was shocked to see all of the incorrect addresses, phone numbers, employers, mis-spelled names. 

I contacted the credit agencies in order to fix the all of the errors. It has been longer than 30 days. 

The credit agencies will not let me delete the in accurate information listed above. In addition, my identity has been stolen and was part of the data breach reported by the Texas DPS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-20
Company: Credit Central Holdings, LLC
State: TN
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:
These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. They have violated my consumer rights, and I am seeking legal action to have them removed. This is a violation of the FCRA section 602 ( a ) & FDCPA section 809.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A fraudulent charge was made on my Bank of America credit card on XX/XX/XXXX by the merchant : XXXX XXXX XXXX XXXX in the amount of {$290.00} for work that was never done on my computer on that day. That card was cancelled in XXXX of XXXX and a new one issued which was later cancelled by Bank of America credit card corp. due to the dispute over the charge. The merchant ( XXXX XXXX ) admitted to me to making the charge on my credit card but said it was a 'charge error ' for work he did on another customer 's computer and said he would refund me the charge XXXX {$290.00} ) but never did. He repeatedly lied to me that he would refund the money to me for over a year! I took him to small claims court in XXXX XXXX and got a judgment against him for {$450.00} on XX/XX/XXXX of XXXX ( Case no. XXXX ). He never showed up to court. I also found out when filing the papers with the 'file clerk ' for the small claims court that XXXX XXXX had over {$30000.00} in judgments and claims against him and one was with Bank of America for {$6500.00}! He now has over {$32000.00} in judgments against him, including now a {$6800.00} judgment against him with Bank of America : ( Case no. XXXX ) He never showed up to those trials either. In spite of all this, Bank of America, will not honor the judgment I have against him by removing the charge from my credit report with the various credit reporting agencies : XXXX XXXX, and XXXX XXXX. XXXX did remove the charge from their files. So I am also filing a complaint against XXXX XXXX, and XXXX XXXX in addition to my complaint against Bank of America Credit Card CorpXXXX XXXX XXXX, the company he had used to handle his financial/billing transactions for his computer repair service company told me that he is not allowed to make anymore financial transactions with them and he now has a 'negative balance ' with them and he has admitted to them that he has received 'fraudulent transactions ' from another source! Bank of America Credit Card Corp. said they did a 'thorough review ' twice and still state that it was a legitimate charge made by the merchant ( XXXX XXXX ) on my credit card for work he never did on my computer on that day!! If you have any questions or need additional information please let me know as soon as possible. I am demanding that Bank of America and the various credit reporting agencies remove that charge of {$290.00} and all penalties and interest from my credit report with them immediately! My address is XXXX XXXX XXXX, XXXX, CA. XXXX. Phone number : XXXX Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Maximus Education, LLC dba Aidvantage
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
With the end of the student loan repayment pause, I reached out to AidVantage to understand why my account balance was higher on their website than it was on the studentaid.gov website. 

On XX/XX/2023 they responded that " Your current balance is {$8300.00}. This discrepancy of {$3.00} can be due to the refund request that was processed. This discrepancy of {$3.00} can be due to the refund request that was processed " which didn't make a ton of sense to me, but it was only {$3.00} so I figured they were a bit XXXX but it wasn't worth my time. 

Then, on XX/XX/XXXX I got informed that my auto payment has been processed, but I see that now on the Aidvantage website it says that my balance is " {$8400.00} '' When I look at " Account History '', the only action in the last 90 days is from XX/XX/2023, where it says " Capitalized Interest '' but all of the amounts say {$0.00} ( screenshot is included ). It doesn't say anywhere why or how this {$27.00} dollars was accrued or how I could have avoided it being converted to principal. 

It looks to me like Aidvantage is expecting that most of their borrowers aren't noticing this increase in their amounts due, thus they're marking that interest was capitalized but not noting the amount on our accounts page, so they've somewhat told us that interest was converted into capital but they withheld the amount and it is not obvious what happened nor why. 

This feels like XXXX behavior- I'm on autopay, so why should I be penalized with capitalized interest when I had no chance to pay that interest/the auto-pay didn't cover it? 

I tried calling Aidvantage today XX/XX/2023 to ask them about this but they just kept me on hold for over an hour.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: EQUIFAX, INC.
State: KS
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter to all 3 Bureaus requesting an investigation of inaccurate and and unverified information on my credit report. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

On XX/XX/2020 I followed this letter with a demand to comply letter. At that point had not received any response. I also filed a complain with the CFBP incorrectly and included the collection agency as the company who was falsely reporting on my credit report. My complain is with the 3 major credit bureaus and their lack of follow up with me about their physical investigation to my request on a timely manner within the letter of the law. 

I am also concerned I may be a victim of the Equifax information breach and want to have these issues rectified as soon as possible. 

For these reasons I want all derogatory information from XXXX XXXX XXXX removed from all 3 major credit bureaus on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been sending dispute letters to Experian Information them of the inaccurate information they are reporting. I have informed them of the incorrect personal information they was being reported. Now its a few accounts that needs to be removed. 

1 ) XXXX XXXX XXXX Account # XXXX 2 ) XXXXXXXX XXXX Account # XXXX 3 ) XXXX XXXX Account # 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 2023-10-25
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I submitted forms to count new payments toward my pslf under the new rules in XXXX. I was also receiving a stipend of about XXXX a month from XXXX to pay down my loans for working in rural primary health care over the course of 2 years ( which was shortened due to below ) I was notified in XX/XX/XXXX Via mail from mohela that I have made enough payments for PSLF and loans were forgiven. I had an overage credit of XXXX. I contacted XXXX and let them know to stop payments and they told me that the refund had to be sent to them upon receipt. I emailed Mohela x 2 and and phone call x 1 in order to let them know that XXXX wanted the refund back and received an email stating that yes there was going to be a refund that would be processed in 60 business days. On XX/XX/XXXX, to my dismay they deposited the overage into parent loans I had for my XXXX sons. I called and emailed several times and several hour waits to keep being told either there was nothing that could be done or that they do not see a refund. Mid XXXX I spoke with XXXX who offered her help form could be expedited to get this refund form case # XXXX and would take 4-5 days and I would be notified .I tried calling several times and emails after that and hours waiting and finally reached someone on XX/XX/XXXX who told me initially she has no note of me ever calling the service since XXXX, but then miraculously found it written in the " notes '' section of what I was referring to and said it was processed the day prior ( XX/XX/XXXX ) / refund in the next 60 days. Since I have been calling and emailing them and not getting responses, only automated emails stating that I have called the call center so they assume my problem has been addressed. on the other end XXXX has since turned my balance over to Program Support Center, Financial Management Portfolio U.S. Department of Health and Human Services XXXX XXXX XXXX acct XXXX who is charging interest/action against me for the stated sum.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
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 have been disputing this account listed with XXXX XXXX for well over a year. During this time XXXX XXXX has been reporting a monthly charge off and a balance owed to them of {$450.00} when they have sold the account to a collection agency, XXXX XXXX XXXX. There should not be a balance on an account that has been sold to collection agency. The account balance should be {$0.00}.

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 2023-10-03
Company: Experian Information Solutions Inc.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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