BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
An ACH transfer was sent from XXXX XXXX XXXX  to Wells Fargo, the ACH recipient ( me ) information entered by the sender ( Trustee of an estate ) did not match, i.e., Name and account number. The ACH settled on XX/XX/2019. The money has yet to be returned so that the transfer may be executed with the correct information. It is a six figure sum. Wells Fargo claims it could take 45 days to return the funds???? Further, they Wells Fargo, has not verified where the money went??? Should I file a complaint with the police?

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 2023-08-22
Company: Jon Barry and Associates, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Debt Validation letter was sent to Paragon Revenue Group on XXXX XXXX and the company never replied to the Debt Validations Letter.. I also submitted letters to Credit Burueas and they stated everything was correct be nothing was never submitted to verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
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: Their investigation did not fix an error on your report

Complaint:
Equifax still refuses to remove a XXXX  Inquiry from XX/XX/2016 which I have disputed with both Equifax and XXXX, XXXX already notified all three bureaus and two inquiries were removed from XXXX XXXX and XXXX but NOT Equifax. I call them and they tell me to dispute it with the company and are rude and unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: Stellar Recovery, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I saw a collection account on my credit from Stellar Recovery. It sates that it is for utilities and not who it is with. I do n't owe any utilities. I sent a validation request to Stellar Recovery and they are not responding to me at all. it has been three months and they still are not responding, but they are still reporting this on my credit. I was never notified by them that this debt even exists or that they were going to put anything on my credit or what my rights are. Stellar Recovery is in violation of the Fair Debt Collection Practice Act

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Diversified Adjustment Service, Inc.
State: MI
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 a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ invalidated credit information. Please remove immediately. XXXX XXXX XXXX and XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 am so sick and tired of XXXX, Transunion and XXXX violating my consumer rights over and over again. They are lying me stating they have done an investigation to verify the accuracy of these late payment when in fact I KNOW they are lying. I have been in dispute with getting the following late payments REMOVED and updated on my consumer report. Late Payments removed from : XXXXXXXX XXXX  XXXX # XXXX Indigo acct # XXXX and XXXX XXXX  # XXXX They have violated so many of my consumer rights but here are a few : XXXX XXXX XXXX ( XXXX ) ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and According to : 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

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 2018-11-28
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
On XX/XX/2018 I sent a certified validation letter to Wells Fargo Bank as well as Dealer funding/Innovate loan asking them to verify the account that their company is claiming to be charged off. It was verified as received through the postal service as received on XX/XX/2018. Per the fair credit reporting act and the fair Debt Collection Practices act they are required to provide written proof bearing my signature. They are reporting incorrectly and I am requesting that they fix this. Also Another letter was sent out certified asking them to validate charge off accounts on the XXXX of XXXX, 2018 and was verified as received on XX/XX/2018 as well. My next step will be taking them to court because are in direct violation of the Fair Debt Collections Act as well as the Fair Credit Reporting Act.

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 2023-08-23
Company: Sunset Management, Inc
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I had lost my good paying job several months ago. I informed the company that I would be struggling to pay the loan payments once I started my new job with lower pay. They said ok. Since then though I have gotten phone calls almost every day, sometimes even two or three in the same day. They have been told to stop harassing me, and that they were not allowed to keep calling me so often. Sometimes I will answer or call them back to discuss my account, but they will CALL AGAIN, later on in the day about the SAME issues that we discussed earlier in the day. Today I go to check my mail and there was a HAND DELIVERED letter in my mail box from the company. They have harassed me too much. The more they harass me, the LESS I am willing to work with them, or to fi d a way to continue my payments as normal. Harassment is a crime and they need to learn it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Experian Information Solutions Inc.
State: MA
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 2018-11-27
Company: Waypoint Resource Group, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection has been added as duplicate after this account with the original creditor was deemed unverifiable. The previous collector ( XXXX XXXX XXXX XXXX ) was removed from my XXXX and XXXX credit report for lack of verification on XX/XX/XXXX and just recently re-inserted on XX/XX/XXXX by Waypoint Resource Group/ XXXX for the same account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: Caliber Home Loans, Inc.
State: AK
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
At XXXX this morning I received two text messages " Thank you for being a Caliber Home Loans, Inc. customer. As you requested, the cell number on your account has been updated. '' " Thank you for being a Caliber Home Loans, Inc. customer. As you requested, you have been unsubscribed for eStatements. '' I called Caliber - and after explaining my concerns, twice, my call was redirected to the XXXX XXXX XXXX. The dealership stated no relation to Caliber. I called Caliber back a third time and they did not answer their line and disconnected the call. I called my spouse, filed a police report, emailed a letter from the Identity Theft program. Attempted calling several numbers listed on their website with no connection to any information or individuals possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: The Outsource Group, Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Did not receive proper notice to dispute debt of {$510.00} total. 1st balance owed is {$260.00} and 2nd balance owed is {$240.00}. Both are with same collection company.

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 2023-10-09
Company: Williams & Fudge, Inc
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I called the direct phone number for XXXX XXXX of Williams & Fudge Inc. today at approximately XXXX am today ( XX/XX/2023 ). A gentleman answered the phone and he told me that XXXX XXXX was attending to a personal matter today but he could help me. 
I asked the gentleman if he could send me in writing that the collection would be removed from my credit report if paid. He told me that he would not and that Williams & Fudge does not report anything about a debt being paid to the credit reporting agencies. He continued to state that they would simply cease sending any further data to the credit reporting agency and Williams & Fudge Inc won't even report that the debt has been paid. The gentleman told me that I would have to take care of the credit report myself. 

This didn't make any sense ( and I told the gentleman that ), and he told me that he wasn't going to argue with me and was not going to send anything in writing. 

After that call, I contacted XXXX XXXX XXXX to find out if what he said was true. 

The XXXX representative explained to me that it is the creditor ( the debt collector ) that is responsible for sending the information about the account if there is a change to the information contained in the credit report. 

Therefore, the gentleman who answered XXXX XXXX 's direct phone number at XXXX a.m. on XX/XX/2023, either lied to me or just didn't want to deal with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: CBC Companies, 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:
I formally wrote a Cease and Desist to Innovis on XX/XX/2022. I sent the letter via certified mail, the tracking number is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX website states " Delivered, Left with Individual '' on XX/XX/2022. As of today, XX/XX/2022, the company has not responded to me. Additionally, I have yet to receive the Innovis report I ordered on XX/XX/2022. 

I asked for all original records in this letter, as well as evidence of my express written authorization to Innovis to share my information with unaffiliated third parties. According to the XXXX XXXX XXXX XXXX, XXXX XXXX must tell their customers about their information-sharing practices and explain to customers their right to " opt-out '' if they don't want their information shared with certain third parties. 

The acts of Innovis have directly and indirectly ruined my financial reputation. These actions satisfy the prerequisites for a libel case. I'm asking the CFPB for assistance in obtaining a statement from this business stating why they are harassing me, breaking the XXXX, and ignoring my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: Southwest Credit Systems, L.P.
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I 've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I 've suspected for this theft is now XXXX  and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact. My official complaint is against SWC / Southwest Credit SYstems

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: MI
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:
There are collections on my credit report that were 1000 % not done by me. So here is the order I followed. 

1. I obtained my credit report from annualcreditreport.com. Once I identified fraudulent items I sent letters over 35 days ago certified to all of the collection agencies to remove them. 

2. When I got no response by doing that I submitted a case to https : //www.identitytheft.gov/ and provided the case number with my previous cfpb submissions as well as screenshots of the fraud on my report. 

ID FOR COMPLAINT SENT TO XXXX CREDIT BUREAU XXXX ID FOR COMPLAINT SENT TO XXXX CREDIT REPORTING AGENCY XXXX ID FOR COMPLAINT SENT TO EXPERIAN CREDIT BUREAU XXXX I also called all 3 credit agencies directly to get no where. 

To this day close to 40 days later and the fraud items have not been removed!!! 
Federal law for consumer protection as well as timelines have not been followed.

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 2021-02-13
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
{$430.00} balance i have paid this bill way over a year ago collection company that have it is AFNI Afni, Inc. 
XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Original creditor XXXX ( XXXX ) XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There is a bankruptcy chapter XXXX on my file that needs to be removed because I withdraw it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: NY
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-08-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I got a call from someone that I owe money to Wells Fargo on a account that I had and closed 20 years ago. The person said over the phone that they were calling with process of notification service and that I must contact the filling office by the end of the day and if I did not they said they will move forward with filing without my acknowledgement or participation. When I called they told me that I owed {$6000.00} if I go to court or if i pay it right now it would be {$1000.00} for an Wells Fargo account that i closed 20 years ago.They said that they were going to garnish my wages. They didn't even know where I am currently employed at. They also claimed that they sent me letters in the mail about it, but i never received anything on the matter. They never told me who they were and they seem like just want to know when i was going to pay them. I also called Wells Fargo and they looked up my old account and they said that I did not owe anything on that account and it seem weird that I would get a call about an account that old that was closed. Wells Fargo ran the numbers that they call me from in their database and they said it was one of their numbers.

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 2021-02-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
This is my second attempt to resolve the issue with Capital One Bank in regards to my consumer credit transaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-19
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This item is past the statute of limitations and inaccurate, remove XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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