BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT accounts listed. It has been longer than the 30 days since I sent my previous request for correction but you have clearly failed to take any actions.

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 2019-06-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I went into a local Wells Fargo branch to make a cash payment on my Wells Fargo business secured credit card. When I went to go use the card, it was declined. When I called Wells Fargo and told them that the card was the declined they said yes it takes three days to process the cash payment when your credit card is in a over the limit status. I always make my payments in cash at the branch and the credit limit is always immediately available. But they said since i had gone {$25.00} over the limit they were going to take three days to process my cash payment My complaint is why should I have to pay three days worth of interest on credit Ive already paid back and not have access to my available credit because Wells Fargo has to process the cash. Processing is a bank term that should be used when two banks need to process a payment between each other. That is when things have to be verified. There should be no three days to process and verify cash when they input it in the system at the Wells Fargo counter and deposit it directly into the Wells Fargo vault. Theyve probably already given that cash to someone else and its already out the door! Once they take it and give me a receipt thats the process post my payment, stop charging me for interest after Ive made the payment and give me access to the credit line which Ive already paid for

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 2021-04-16
Company: U.S. BANCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
A rent check for {$15000.00} to our landlord originating from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA was mailed to him XXXX XXXX. The landlord never received it ( we had successfully Mailed 35 monthly checks to him up to this time ). This check was dropped off at the post office for mailing. This check was stolen and used to open a fraudulent account at US Bank XXXX XXXX XXXX, XXXX CA XXXX.The criminal used a driver 's license and social security to open the account. It was opened online. Once the check was deposited, the money was withdrawn fraudulently. 
XXXX XXXX, acting branch manager at US bank, acknowledged this was a fraudulent transaction on XXXXClaim reference # XXXX XXXX This Fraudulent transaction has been reported to XXXX at XXXX XXXX Fraud Dept . XXXX, claim # 2020 XXXX. 
This was report XX/XX/2020 to XXXX Police Dept, and to XXXX County DA office XX/XX/2020 We have met with resistance getting reimbursed from either Bank. 
Your Help would be greatly appreciated. 
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 2019-08-06
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I got a notification on my credit report that a collection was added to my credit report from Helvey and Associates onXX/XX/2019. I never received a letter about this debt, it just showed up on my report. I sent a debt validation letter to Helvey and Associates on XX/XX/XXXXrequesting validation of this debt. I have not received any response from this company about the debt they claim I owe. 

Its a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to your verification letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: WAKEFIELD & ASSOCIATES, INC.
State: VA
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 a collections debt listed on my credit report that is not mine. The debt collection agency is listed as Wakefield & Associates. It lists the original debtor as XXXX  XXXX  XXXX  XXXX. During 2018 I was receiving threatening calls from XXXX  XXXX XXXX XXXX before they sold this debt to Wakefield & Associates . I  informed XXXX XXXX XXXX  XXXX during each of the multiple conversations that it was not me and someone must have provided my information or name because I had not used the ambulance for anything. I asked them to provide me some documentation and they could not and did not. This is affecting my credit score and credit rating substantially. I have contested this collections multiple times to the credit bureaus to no avail. I would like CFPB to assist me with this matter and these debtors. It is not fair and I want my name cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have contacted Transunion several times via phone online, and via first class mailings on many occasions in regard to inquiries that was placed in my name that did not belong to me and that I did not authorize, and I am not familiar with. I get the same results each time and I have had it, it makes it look very bad on my credit report and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have numerous inquiries that does not belong to me reporting inaccurately. I have disputed and reached out to XXXX   several times and they say the same thing over and over. The companies either need to send proof or validation or it needs to be removed. These inquiries do not belong to me. I've done the FTC Identity theft report ( XXXX ), I've called Transunion and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was taking care of it only to find out she had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following inquiries are what is being reported : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX. I have even sent copies from XXXX XXXX XXXX showing that they deleted items that Transunion keeps saying verified. How can they all be using the same information, but some bureaus are correcting items & the other is saying verified which is totally incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Had someone depositing money then turn around and take it out, overdafted me and set me back like 6 months of payments on my power bill. Closed my account and went to another bank but still have info on account

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 2021-04-08
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 I reached out to all three credit companies asking them to verify 2 accounts that I had listed on my credit report and they have yet to get back to me and it's been over 30 days. I sent my corresponded my mail and gave them more then another time to receive my letter and respond back.

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 2019-06-07
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was an authorized user on a credit account of my fiancs. After getting married she had old debt that she could not pay so she declared bankruptcy. Prior to declaring bankruptcy she had me removed from her accounts as an authorized user but missed this account. After she filed bankruptcy and her lawyer sent out the letters she noticed she had missed this company. She called them and told them she needed to remove me. They stated oh no hes a joint account holder. I called them and they repeated the same thing to me. I told them to please send me documentation to this effect and they assured me they would. To date they have not. They just keep saying its mine and I keep disputing it. They have never called or responded to my notes saying its not mine. Now they have closed other accounts of mine and lowered limits. All of my accounts are pained on time. I have no lates ever.

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 2019-06-07
Company: TRANSWORLD SYSTEMS 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:
Oh XX/XX/XXXX Transworld Systems appeared on my credit report as a collections agency for XXXX XXXX XXXX XXXX in XXXX. XXXX, Florida. I was a patient in the Emergency room at XXXX Hospital in XXXX XXXX, Florida in XX/XX/XXXX. The hospital had my Medicare card ( part A and B effective XX/XX/XXXX ) as well as my Veterans Medical Card that has been in affect since XX/XX/XXXX. 

I immediately called Transworld Systems, they said they could not remove the debt but could file a dispute. I never received a call, bill or any other contact regarding anything owed. 

I called XXXX XXXX billing. I was told that they had received payment from the va in Full, in XX/XX/XXXX. They told me they would send a letter and tell the collection company. To date they still have the collection on my report. I called them and requested they contact their contact. Im trying to refinance my car and purchase a Home. I  need these items off of my report. 

They refused to do anything until they were Notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 2023-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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:
ACCOUNT NAME XXXX  XXXX ACCOUNT NUMBER XXXX ACCOUNT NAME XXXX XXXX XXXX ACCOUNT NUMBER XXXX ACCOUNT NAME XXXX XXXX XXXX ACCOUNT NUMBER XXXX ACCOUNT NAME XXXX  XXXX XXXX XXXX ACCOUNT NUMBER XXXX n accordance with the Fair Credit Reporting act 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 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 2021-07-09
Company: Chime Financial Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I tried to cash out my chime account to my linked bank account in the amount of {$9400.00} and was informed my account had been closed I have sent in proof of identity and proof of ownership of the linked bank account and have gotten no reply from anyone at chime I have been dealing with this issue since XXXX and Chime is refusing to give me my money

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: World Acceptance Corporation
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: NY
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 XXXX  XXXX XXXXXXXX XXXX accounts # XXXX has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. It is unfair that I was charged with a late payment with out notification of when the payment was due. I had to sign up on line to do on line payments. When I made the payment and they did not process my payment accurately.

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 2019-06-07
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XXXX XXXX XXXX XXXX an online bank took {$1100.00} from me this is the day on my birthday I cried that day I was not able to go through with my birthday plans nor did they care I also was in XXXX Georgia this time with no money XXXX they told me they will send a check within 10-14 days. On XX/XX/2019 I contacted them & they said they would 2 day ship my check to me. Today is XX/XX/XXXX and I had to email this lady ( XXXX ) 2 times before she replied to tell me I wont get a checked shipped to me till Tuesday or Wednesday or when she gives me a tracking number. This has caused me many financial problems & emotional stress. Im in debt because of these people.

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 2019-06-07
Company: Navient Solutions, LLC.
State: DC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was out of a job for 4 months and I couldn't afford to pay my student loans, I called Navient and they told me I don't have any forbearance on my private loans, so I had no choice to let the loans go 90 days past due. 

When I found a job in XXXX, and caught up on my other bills, I decided to call Navient to get my loans back current. The amount they wanted me to pay was something I couldn't afford, so they told me I can qualify for a rate reduction program, I gave them the information they asked for to see what my reduced monthly payments would be. After giving them this information and a payment, I was told that the account will become current after 3 months of successful payments, and the past due would be added to the loan. I agreed. 

While in this 3 month trial, Navient is sending out letters to my co-signers and references stating that if they don't make the past due payment, they will report the account as delinquent to the credit bureau which will affect their credit. How is this possible if I'm making payments? Why are you sending letters to them and not me? Is this a tacit to get more money to Navient? Why is Navient preying on my co-signers after setting up an arrangement with me?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: ONLINE Information Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Date : XX/XX/2022 Company : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Paid A Settlement Amount Of {$310.00} ( Confirmation # XXXX ) For Collection Account # XXXX To Be Removed And Was Told In 30 Business Days The Account Will Be Removed From All Credit Bureau XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've made numerous attempts to communicate with Midland about this debt that supposedly belongs to me. I have never signed any legal documentation to pay midland credit or the company they say they represent. They have failed to supply that information. The only information that they have supplied is a copy of a statement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-07
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received the first written letter back in XXXX indicating that my QCARD credit limit had been reduced from {$500.00} to {$100.00} due to no purchase activity on the QCARD. Last year I used the QCARD and paid off my purchase and had not used it since. I received a letter dated XX/XX/XXXX stated that SYNCHRONY BANK has decided to close the QCARD account. The QCARD account has a XXXX  balance and there has been no activity. There reason for closing the account is that they used a credit scoring system to predict my creditworthiness and based upon some information used form XXXX XXXX XXXX. 

SYNCHRONY BANK does not like consumer 's with XXXX QCARD credit balances.

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 2018-12-14
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:
On XX/XX/2018 I observed a collections on my credit report from Equifax. I contacted XXXX XXXX XXXX and requested verification/validation ( attached ) and received a generic letter ( attached ). On XX/XX/2018 I filed a complaint with CFPB ( attached ) and they received the same generic letter. I again filed a complaint with CFPB and they did not receive a response. I forward all information to all credit bureaus and the account was removed except for Equifax. They stated that XXXX XXXX XXXX provided verification/validation. I have requested that information several times from Equifax and have not received any type of response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: ERC
State: TX
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 A CREDIT MONITORING SERVICE AND GOT A ALERT AND THIS COMPANY XXXX XXXX XXXX XXXX, PUT IT ON MY CREDIT REPORT AND DID NOT SEND ME A LETTER IN ADVANCE AND AM WAS IN PROCESS OF TRYING TO BUY A HOME THE AMOUNT {$100.00} I CALL THEM THEY SAY THIS IS AND OLD ACC 6YRS I SAY I DONT KNOW OF IT THEY HAD ALREADY MESS CREDIT REPORT UP I SEND THEM A DISPUTE LETTER FOR THEM TO VALIDATION THE DEBT AND TO SHOW ME THEY HAVE RIGHT TO COLLECT IN STATE TX AND TO PROVE STATUTE LIMITATION EXPIRED AND OR THEY LICENSED IN MY STATE THEY DID NOT SEND THE INFO JUST A SNAP SHOT OF A BILL THEY TRYING TO COLLECT ON THEY DID NOT PROVIDE ORIGINAL SERVICE AGREEMENT WITH MY SIGNATURE ON IT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation