BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-03
Company: WELLS FARGO & COMPANY
State: KS
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 recently pulled a copy of my credit reports and found inquiries from Wells Fargo EFS. I reached out to the company on XXXX/XXXX/XXXX, spoke with rep " XXXX '' but she did not provide any additional identifying information. She explained the inquiry was from a joint application for a student loan. I have never done a joint application and I do not need private student loans as I receive federal student loans. Per the Fair Credit Reporting Act, all information reported to a credit bureau must have validated proof they belong to the reported account. This is usually done with a validated signature and a copy of a current photo ID. I do not believe Wells Fargo posses either of those documents and therefore the accounts can not be validated and must be removed 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 2017-10-01
Company: Jim Bottin Enterprises, Inc
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
ABC Financial has been contacting me concerning a past due amount owed for a health club membership that to my understanding was cancelled. I informed ABC financial that I had went into the gym location and informed them that I wanted to cancel months ago. ABC Financial informed me that they will continue to bill me unless I write a letter and send it to the location asking to cancel. This could not be ethical, I did n't write a letter to sign up for the membership.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. I recently filed a complaint TransUnion responded that they can not be removed. However that's not true I have attached the law pertaining to inquiries what they stated is not true.

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 2022-04-07
Company: Affirm Holdings, Inc
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Have contacted the company for a personal loan made on XX/XX/21 for a XXXX  order. I cancelled the order promptly after ordering. I contacted affirm when I noticed they were trying to charge my card months after and I had already canceled the order and did not receive anything. They stated it takes time for returns to be processed and here we are almost a year later with it on my credit report. I never received this item, it was canceled and neither companies will do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
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:
Your company Synchrony Bank, Care Credit did not communicate with all three credit bureaus within 30 days of receiving any of the two letters sent to you that the item in question was in dispute as per the Fair Credit Reporting Act. As proven by my most recent credit report from all three credit bureaus.
I have disputed a debt and you have failed to report it as disputed with the credit bureaus.
Protection under the Fair Credit Reporting Act. ( FCRA 623 ) If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ).
If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that
information to a CRA without providing notice of the dispute. This identified by an informational line about the dispute added in the comment section of the item on the credit report. Section 623 ( a ) ( 3 ).
Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ).

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 2017-10-03
Company: EQUIFAX, INC.
State: NE
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 ASKED EQUIFAX TO VERIFY AND SEND ME VALIDATION OF THEIR DOCUMENTS WITH REGARDS TO THE BK LISTED ON MY BUREAU. THEY ADVISED THEY " VERFIED '' WITH XXXX XXXX. I SPOKE TO XXXX XXXX WHO ADVISED MY CONSUMER REPORT IS FROZEN AND THIS INFORMATION WAS NOT VALIDATED. I WOULD LIKE WHAT WAS SENT TO EQUIFAX TO VALIDATE THE BK. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: EQUIFAX, INC.
State: CO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2019 Equifax processed a credit inquiry from XXXX despite the fact that the other two CRAs marked the inquiry as obviously fraudulent. The information provided to Equifax was an accurate name, address and phone number but included a completely fraudulent 9 digit social security number, which Equifax made no effort to verify prior to processing the inquiry. On XX/XX/2019 I called Equifax and spent several hours on the phone, to let them know that the hard inquiry they had processed was fraudulent but they refused to acknowledge the fraudulence nor were they willing to remove the fraudulent hard inquiry from my credit report. This hard inquiry may have an adverse effect on my credit rating and was processed, against federal guidelines, using verifiably fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: AES/PHEAA
State: TX
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:
On XX/XX/XXXX, I called fedloan servicing and spoke to the customer service rep ID # : XXXX to review the number of my qualified payments when I realized the number reported was incorrect. The customer service rep told me it would be fixed right away and to give them sometime. 

I waited for 8 months and called again on XX/XX/XXXX with the same concern, I was told it would be expedited and the error will be fixed. 

I called again on XX/XX/XXXX with the same complaint and the customer rep told me it'll take sometime and can't give me a time line even though it's already been a year since my first phone call. This is unacceptable. She told me even if I called back in a month or 6 months, there was no guarantee the error would have been fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Resurgent Capital Services L.P.
State: MD
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:
Inconsistent AND incorrect contact information provided to CRA 's for : RESURGENT CAPITAL SERVICES, as follows : wrong address provided by creditor ( address verified by USPS certified mail ( receipt attached ) ) Issue 1 : ( WRONG ) Address shown on XXXX  XXXX Credit Report : C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX ( CORRECT ) USPS verified address : C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Issue 2 : variance in contact address/POC information for reporting XXXX  reports the following contact information for CACH , LLC : Contact CACH , LLC XXXX XXXX XXXX  XXXX, SC XXXX XXXX XXXX  reports the following contact information for CACH , LLC CACH LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX ( INCORRECT ZIP CODE PROVIDED ) ( XXXX ) XXXX XXXX  reports the following contact information for CACH, LLC/RESURGENT CAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance {$7800.00}, XXXX XXXX Balance {$380.00}, XXXX XXXXXXXX Balance {$7100.00}, XXXX XXXXXXXX Balance {$3200.00}, XXXX XXXX XXXX Balance {$230.00}.

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 non-monetary relief
Consumer complaint received 2019-07-10
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/2019 I sent Credit Acceptance and XXXX XXXX XXXX Company a dispute letter disputing the repossession listed on my credit report and requesting all documentation pertaining to the repossession. On XX/XX/2019, I received a summons to appear to court on XX/XX/2019, at XXXX XXXX. 

On XX/XX/2019, I contacted Credit Acceptance Attorney who is representing them by the name XXXX XXXX XXXX. I spoke with XXXX to see if I could get the court date changed due to me not receiving proper notices and short notice to attend court. I did not hear back from her so I sent a response to the complaint that was filed against me to XXXX at XXXX and XXXX via email at XXXX and handle delivered a copy of the response to the complaint to the State of TN , County of XXXX. Next, I sent a SECOND NOTICE to Credit Acceptance requesting the repossession information that's supposed to be provided to the consumer by law. 

We appeared in court and they reset the date to XX/XX/2019 at XXXX. The attorney 's for the plaintiff stated that they had already sent the information out to me but they did not have the correct address on file the first time according to XXXX at XXXX and XXXX who verbally stated that all of the information had been sent at the time of collection to the other address at XXXX XXXX XXXX but not XXXX XXXX XXXX. The court stated they wanted to give them an opportunity to send me that information. 

They are attempting to sue me for {$10000.00} plus contractual interest accruing 10 % totalling {$870.00} plus contractual attorney fees {$2200.00} for a total judgement amount of {$13000.00}. 

This is the second attempt and Credit Acceptance have failed to send me the information requested pertaining to the repossession listed on my credit reports.

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 2017-12-26
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was XXXX from XXXX XXXX, XXXX to XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I wrote American express serve and advised them that a man picked my property up at the jail and did not bring it to the person he said he would, instead he took my banking card and withdrew XXXX. Upon my release I filed a claim and it has been denied. Even after asking them to shut the card off. Im out the XXXX bucks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: EQUIFAX, INC.
State: CT
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. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information. I previously sent letters to Equifax and these companies about their credit reporting not being right. None of these companies provided anything that I asked for to validate these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Experian Information Solutions Inc.
State: CT
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. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information. I previously sent letters to Experian and these companies about their credit reporting not being right. None of these companies provided anything that I asked for to validate these 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 2020-04-24
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it XXXX you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately

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 2022-04-07
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Fees from XXXX and XXXX keeps getting withdraw from my account without authoization. Have contacted XXXX and XXXX regarding unauthorized charges. Filed disputes with Bank of West multiple times. Contact Bank of West regarding overdraft fees that has been charged to account. Bank or merchant still havent credited my account causing my account to be negative and unable to pay bills or take care of dependent.

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 2022-08-13
Company: Experian Information Solutions Inc.
State: WA
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 XXXX Account # XXXX, Account # XXXX, Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-10
Company: MoneyLion Inc.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I took part in promotion that Money Lion had called pave your wage. They will give you 17 percent of your first deposit into their investment account within 90s days as long as your other direct deposits are percent of the first deposit, you keep your account in good standing, and the promotion is good until XXXX XXXX dollar limit was exhausted I was told my multiple representatives that I qualified and all I need to go is wait. I was told XX/XX/XXXX was the day I should of received it. I reached out and spoke to a manager and she never followed up. I am considering their lack of action as negligence and also considering proceeding in small claims for damages.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-10
Company: Diversified Consultants, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
diversified consultants are lying about dates and amounts owed to XXXX XXXX XXXX  it is still a negative on my credit. i have supporting documents that XXXX XXXX XXXX owed ME money and paid it. we are square and i have the paper work to prove it. yet these head hunters somehow keep it on my credit by renewing and fraduantly changing the dates and amounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
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:
I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
I have a capital one credit card with a XXXX limit. I reported my credit card stolen XX/XX/XXXX. On XX/XX/XXXX, there was a charge approved by capital one for XXXX that posted to my account. I immediately contacted capital one to dispute. First off, the card was reported stolen, a charge should not have gone through in the first place under any circumstances. And second, the amount approved is 8 times my credit limit. 

Their response is that when i signed up for the card, i was automatically opted in for over-limit protection, so it was within capital one 's discretion to approve or decline. The strange thing is just the week prior, the same company attempted a XXXX charge that was declined. So they decline a {$280.00} charge and then the following week they approve an almost {$2300.00} charge. 

From what i have read, they should not be allowed to do this. The law seems clear that they should require a separate opt in form/signature, and not have it set to opt in by default. 

To sum, my issue is 3 fold.They allowed a charge to go through on a card that was reported lost. On top of that, the amount was ridiculously above and beyond my issued limit. And they are not adhering to the credit act with opt in authorization. 

At this time they have removed the charge pending investigation. But there should not be an investigation. The charge should never have been approved in the first place.

Company response to consumer: Closed with explanation