BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-25
Company: WELLS FARGO & COMPANY
State: PA
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 am writing to file a claim against Wells Fargo based on an unauthorized charge that appeared on my account ending in XXXX on XX/XX/XXXX. The charge in question is for {$300.00} for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' and it also included an international purchase fee of {$9.00}. 

I immediately reported this unauthorized charge and filed a claim with Wells Fargo. However, on XX/XX/XXXX, I called to check the status of my claim, and I was informed that it had been denied because the system detected that it was not fraud. I escalated the issue to senior management, explaining that I had never heard of the company in question, and that it was not even searchable on XXXX. Therefore, it was clear that it was a scam. I also questioned how the bank could approve an international charge without verifying it with me first. 

In addition, Wells Fargo suggested that I try calling the company to get my money back, even though it was clear that the charge was unauthorized and fraudulent. 

The response I received from Wells Fargo was unsatisfactory. They could not provide any details about the merchant or how the system determined that it was not fraud. This is unacceptable, as it is clear that the charge was unauthorized and fraudulent. 

I am requesting that Wells Fargo refund the unauthorized charge of {$300.00} and the international purchase fee of {$9.00}. I also request that the bank conduct a thorough investigation into this matter and take steps to prevent such unauthorized charges from occurring in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX had made me a promise that if I took on my old load ,25 years old that they would consolidate all of my loans so that I may attend school. Thus in hopes of seeking a re-education I signed for a loan of witch i received not a dollar but took on a maxed out student loan for witch i received no even a dollar. The original loan that shows maxed out on my credit is more than 25 years old and was sold to me on a lie in the first place.

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: Debt Recovery Solutions, LLC
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This collection agency is reporting an account that was once on my credit report, but was not validated and then removed from the report. 
I have asked for validation for some time and they have never sent anything. I also believe that this account is very old and is not verified as mine, I requested the respective documents and contract, and they have not responded, they just reported it and now they are using this collection agency in order to collect something that they never investigated and was not validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
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:
Despite multiple written requests, the unverified accounts listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but never received a response from them. These accounts must be validated in accordance with sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXBalance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28
Company: FORD MOTOR CREDIT CO.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX is not reporting a closed auto loan that was in good standing on my credit report. 

In XX/XX/2016 I paid off my auto loan and this loan is supposed to stay on my credit report as it is included in my XXXX credit report accurately. The details are listed below for your review. 

Ford Motor Credit - Omaha Service CenteXXXX Account ending in XXXX Amount originally financed {$19000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX, XXXX, P ; XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX Balance Owed : {$660.00} ; XXXX XXXX  XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$14000.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX ( Original Creditor : ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$8600.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX : {$110.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX XXXX {$64.00} ; XXXX XXXX Balance Owed : {$5900.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I never authorized ( authorization ) viewing of credit ( inquries ) also No inquries are associated with an open account I authorized ; ( Identity Theft Victim / Equifax Data Breach ) ... 

Inquiry details : XXXX XXXX Inquiry from XX/XX/2018 Credit Unions XXXX XXXX, XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 All Banks XXXX XXXX, XXXX Inquiry from XX/XX/2018 Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXX-XXXX Inquiry from XX/XX/2018 Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/2018 Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 Automobile Dealers, XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/2018 National Credit Card Cos. 
XXXX XXXX Inquiry from XX/XX/2018 Credit Unions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX ( XXXX ) Account number XXXX Placed on my report XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: CITIBANK, N.A.
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: Card was charged for something you did not purchase with the card

Complaint:
Our credit card was fraudulently charged. We were informed that because we said we had maintained control of the card, that the charge was real. The charge could NOT have been made without our presence. We did not charge this! 

The following is what we have done. 
XXXX Citi statement included a fraudulent charge of $ {$380.00} We immediately notified Citi of the fraud XXXX statement included the same charge plus interest of $ {$24.00} XX/XX/21 Contacted Citi customer service who said to disregard this and it is under investigation. 
XX/XX/21 Received a letter saying that the dispute was closed and we are responsible ( attached ). 
XX/XX/21 Received a letter say the Citi is investigating the dispute ( attached ). How XXXX is this and shows internal procedures of Citi. 
XX/XX/21 Elevated the issue and sent a letter to XXXX, XXXX XXXX. ( attached ) No reply. 
XX/XX/21 Sent another letter to XXXX XXXX, XXXX XXXX. To date ( attached ) no reply.

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 2023-09-22
Company: EQUIFAX, INC.
State: ID
Product: Credit reporting 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution. 

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 2022-09-11
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX ( XXXX ) Account number XXXX Placed on my report XX/XX/2021 2021

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: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am a schoolteacher and I recently applied for PSLF on XX/XX/XXXX. Up until then, my loan servicer was Nelnet, and I made loyal payments to them since XXXX, including throughout the entire COVID moratorium. I decided to check on the status of my application today ( XX/XX/XXXX ) because it had been over 30 days and I hadn't heard anything. When I signed in to studentaid.gov, I discovered that my servicer is now MOHELA. I was never informed via email or inbox that my remaining balance was transferred. I then attempted to set up a MOHELA account to make sure my balance appeared there. While I was initially able to see my account, my balance read as {$0.00} ( it also reads as {$0.00} on XXXX ). What's worse is that I was promptly logged out, and when I attempted to log back in, my account was locked. I am positive that my password was correct because I use a password keeper that always works. The only way to unlock an account is to call MOHELA, and the wait times are hours. When I called in XXXX during my application process, it took me over 5 hours to reach a human. I have read many news articles that have revealed deep problems with MOHELA 's ability to support PSLF, and their website can not keep up with the demand. Additionally, some borrowers are reporting major errors in their account information. These include much higher repayment amounts than what appeared on the estimate, and problems with balance transfers. Many of these problems cost the borrowers thousands in extra payments. My concern goes far beyond my personal anecdote, as millions of borrowers like me are petrified that our financial livelihood is at stake. I have already contacted my Congressperson urging that the Department of Investigation investigate MOHELA, as it is grossly mismanaging PSLF. I am also prepared to file suit against MOHELA in order to receive the PSLF forgiveness that I am entitled to by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, 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 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: Closed with non-monetary relief
Consumer complaint received 2017-06-18
Company: EQUIFAX, INC.
State: NJ
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:
FEW ACCOUNTS IS NOT EVEN BELONG TO ME, AND IT STILL SHOWING TO MY CREDIT HISTORY AND THOSE ACCOUNT ARE DAMAGING MY FINANCIAL LIFE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: GA
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

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 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 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 2023-02-28
Company: Experian Information Solutions Inc.
State: TX
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 XXXX, Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account name XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: Atlanticus Services Corporation
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020 Fortiva Retail Credit agreed by written and oral communication to settle account ending in XXXX for an amount of {$3300.00} and to further report the account to the credit bureaus as paid settlement with a XXXX balance. As agreed, 10 Payments of XXXX were made to Fortiva ( as shown in payment ledger courtesy of XXXX, debt consolidation company authorized to settle this account on my behalf ) The original debt for this account ending in XXXX was {$5800.00}. The settlement agreement reduced the debt owed to {$3.00}. As agreed, All 10 payments were made on time and were accepted by Fortiva. All proof is attached of agreement and payments made. After 28 calls and written communication to Fortiva, Fortiva has not resolved this debt for account ending in XXXX as they agreed to. They are continuously and aggressively trying to collect a debt which I no longer owe per our agreement. In addition, they have not corrected my credit report as promised in their written communication. Please help me, no one from Fortiva has helped me. They They keep giving me the run around transferring me from agent to agent with no resolution. Please help me. This has been a nightmare. Thank you. XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
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:
I submitted a letter to the 3 Credit Bureaus Last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts : XXXX  XXXX Balance : {$27000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1700.00} Consider this as a follow-up complaint to my previous letter and to notify you to validate the aforementioned accounts

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 2022-01-12
Company: Acquired Assets, Ltd.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Allen & Associates based in XXXX XXXX XXXX XXXX, NY XXXX is a scamming fake debt collection company! They create Non existent debt and call to harass even though they have received a letter from me to stop their illegal sneaky tactics! They also will not take any letters you sent them and will refuse them back to the XXXX XXXX  so they can claim later that they never received anything from the alleged debtor! I sent them a tracked letter and a Fax and yet they still are trying to call me to harass me, even though they are not supposed to especially since I have told them not to and since this is the law! Also they are violating my right since I am on the DO NOT CALL LIST! This company is running an illegal debt collecting scam and must be stopped and prosecuted immediately!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
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:
I have consistently been violated by Equifax. They have broken numerous federal laws when pertaining to my consumer file. It is being irresponsibly tampered with breaking laws 15USC1681. There are accounts that have NOT been thoroughly investigated. I have tried to remedy the situation since last week but to no avail Equifax is grossly dismissing any attempt to remedy. Under 15USC1681 they have also not respected my right to privacy being that they assumed their role without my consent and are not exercising their grave responsibility upon assuming the role that they took.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Experian Information Solutions 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:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX  XXXX ) XXXX Balance : {$180.00} ; XXXX XX/XX/2022.

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