BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-29
Company: EQUIFAX, INC.
State: CA
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:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX around midnight, i had a family member vacationing and her XXXX messaging app got hacked and I was a victim of a scam. 
The hackers reached out through her personal phone pretending to be her stating she was in a emergency and needed me to send her money through XXXX through some email accounts she provided. I sent the money and minutes later I get contacted by another family member of ours letting me know that my cousins phone had been compromised. 

I have contacted my financial institution ( Wells Fargo ) and opened a claim right away. It was not until days later that I reach out requesting an update on the claim when I realized the cases had been closed and nothing could be done

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 2018-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In XX/XX/XXXX I applied for a XXXX at XXXX XXXX. They subsequently issued a XXXX XXXX to me in XXXX. However, I did not apply for the XXXX nor did I authorize a second credit inquiry. This is the history of the inquiry. 
XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX I phoned XXXX several times in XX/XX/XXXX to request the removal of the second inquiry. I kept calling and was finally told to write to the specific department. I was told it would take 30 days or less but I wrote to them in XXXX and have not heard anything. I followed up with the bank and was told that the department could not be reached internally or externally and they suggested I write again. It 's been two months since my first inquiry. I have spoken to several managers, written to them - all to no avail.

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 2018-12-15
Company: Harpeth Financial Services, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2018. I saw that a payment was withdrawn from my bank account for {$140.00} from XXXX XXXX. I am not signed up for auto-pay with them. I called the company and spoke to representative. He said as well that I was not signed up for auto-pay or what they call convenience pay. However, the man said they still had the right to deduct a payment. I informed him that was not legal and they could not take a payment automatically from my account if I was not signed up for that service. He kept arguing with me that they did have the right to take the payment without my permission. After going back and forth, I told him I was contacting my bank and hung up. I am attaching a screenshot showing that I am not signed up for the service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: The CMI Group, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XXXX XXXX I received a debt collection letter from credit management , LP with the attempt to collect a debt in the amount of {$780.00} stating that I owe XXXX XXXX I was given until XXXX the XXXX XXXX to call or write to dispute the debt thereof and that credit management , LP ( " Must stop collection on any amount I dispute until they send me information that shows I owe the debt. '' ) On XXXX XXXX I sent a handwritten dispute letter requesting for validation of this debt.I sent it certified mail. Never received a response from this company. Today XX/XX/2022 I received a credit confirmation concerning negative remarks on my credit report. I contact the company credit management , LP to inform them that they did not send me the requested information did I inquired about in my dispute letter or any legal factual information that says I owe this debt. And that they took it among themselves to assume that the information they had was correct without providing me adequate validation with strip me of my consumer rights

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-06
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/XXXX I received a text message from Regions about a fraudulent charge. I confirmed I did not recognize the charge and the debit card was canceled. 

On XX/XX/XXXX I was available To follow up on the issue and try to get a new card renewed. Due to my job I was out of the counrty. XXXX XXXX services were recommended to get a temporary emergency card issued to me. 

I submitted a request with XXXX and was later informed via email that the request was denied by Regions Bank and that I should follow up with them as to why. 

Every time I called the Regions they would refuse to follow up, or elaborate as to why. They would not discuss the request even after my identity was confirmed. Multiple times they would transfer me to XXXX, who at this stage can not help me. Going as so far to lie about putting me on hold to get a supervisor to transfer me to XXXX again. The only advice they would give me is to have someone else pick up my new card out of my mailbox and ship it with their own money. 

On the third follow-up call trying to resolve this issue the customer rep pretended not to hear me and transfer me to a dead-end phone number that automatically hangs up on me. 

Their refusal to do their jobs and constant deflection has left me stranded out of the country without access to funds

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 2018-12-15
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I called HESAA in New Jersey XX/XX/2018 about a late bill I got for my student loan. It had been in deferment with XXXX. XXXX sold it to HESAA and HESAA never sent a payment voucher and put me in default. I began payments right away and was told by the HESAA agent that 4 consecutive payments would remove the default status. I called yesterday to check the status as I am close to the 4 payments, and after their phone system disconnected 6 times I got an agent. She said the loan will never go out of default even though my payments are current. I was told a lie. And this makes no sense to me a stops me from applying for grant money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: U.S. BANCORP
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
XXXX XXXX. I have tried to contact them on numerous occasions no response.

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 2023-07-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX {$3000.00} XX/XX/XXXX XXXX XXXX  XXXX {$3500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$5000.00} XX/XX/XXXX XXXX XXXX  ************ {$9000.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$13000.00} XX/XX/XXXX XXXX XXXX XXXX {$15000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$340.00} XX/XX/XXXX XXXX XXXX*************** - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX. Someone made two unauthorized transactions without my knowledge or my approval. First one was for {$21.00}, second one was for {$430.00}. I did not authorize these transactions and I dont know what happened and I need my money back. The purchases look like they were made to a company called XXXX XXXX. I did not do any business with that company whatsoever. My bank is Wells Fargo

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 2018-10-03
Company: Monterey Financial Services LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern : On XX/XX/2018 I discovered an account for the amount of {$9900.00} that was reported on my XXXX  credit report in error. 

I then contacted and disputed the problem. I fully explained the situation and have been frustrated by their failure to correct the problem and remove the inaccurate information from my credit report. 

The company has provided me with documentation that does not pertain to me, is for a XXXX XXXX and a XXXX XXXX that live in XXXX XXXX, I never lived there nor am I associated with these individuals. 

The problem has prevented me from obtaining a debt consolidation loan, and has created financial hardship up on me. 

Please register my complaint and contact me. 


Thank you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Reports of Experian listing dark web information found on the credit report. Being denied employment. In XX/XX/2018, reported dark web information found to FBI and filed a report as information is incorrect, improper use of email address, identity theft as email address is registered on job boards, public websites such as XXXX for employment. Current Experian is reporting as a Negative on the credit report on personal information found in a dark web search. I have taken the necessary steps in reporting to the authoritative agencies about these types of searches. Claiming Personal Identifiable Information, Defamation, and Identity Theft.

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 2016-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I called their dispute department and requested they remove all the hard inquires from my credit reports. I have sent letters to each one of these companies and have not received validation from any of the companies. I explained this to the representative that answered and the supervisor I spoke with. I was told that the only way to remove these inquires was to get a letter from the company that did the pull saying they did it and should not have. I told them I contacted each and every one of the companies and they did not respond with in 45 days of the letters being mailed. How am I supposed to have them sign a paper if they are not responding?

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 2022-07-15
Company: Experian Information Solutions 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:
This is a notice of violations pursuant to the Fair Credit Reporting Act. The consumer reporting agencies have violated 15 USC 1681b ( 2 ). I never provided them written instructions to furnish a consumer report on me, but yet they are doing so and with inaccuracies that are damaging my reputation.

I have recently pulled my consumer reports again today, XXXX/XXXX/2022, and find that the consumer reporting agencies are still violating my rights. 

Pursuant to 15 USC 1681b ( 2 ), you are to remove ALL negative accounts as it pertains to me, the consumer and natural person. You are also to mail me a copy of the updates to the address provided. See attachments of the accounts that are to be deleted immediately. 

In the attachments, you will also see all XXXX consumer reporting agencies ' failures to ensure the maximum possible accuracy as well which is another violation under the FCRA.

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 2018-12-15
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXXView All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status Closed Payment Status Past due 60 days Status Updated XX/XX/XXXX Usage 227 % Balance {$3600.00} Balance Updated XX/XX/XXXX Credit Limit {$1600.00} Monthly Payment {$130.00} Past Due Amount {$200.00} Highest Balance {$3600.00} Terms Revolving Responsibility Individual Your Statement - Comments Subscriber reports dispute resolved - consumer disagrees MULTIPLE CHARGES WERE MADE TO THIS CREDIT ACCOUNT WHICH WAS THE RESULT OF IDENTITY THEFT. CREDIT ISSUER CLOSED ACCOUNT WITHOUT NOTICE TO CONSUMER, AND REFUSES TO CLEAR CHARGES OFF OF ACCOUNT. CONSUMER DISPUTES ALL EXISTING AND FUTURE DEBT OWED TO CREDITOR.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
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:
This is a notice of violations pursuant to the Fair Credit Reporting Act. The consumer reporting agencies have violated 15 USC 1681b ( 2 ). I never provided them written instructions to furnish a consumer report on me, but yet they are doing so and with inaccuracies that are damaging my reputation. 

I have recently pulled my consumer reports again today, XXXX/XXXX/2022, and find that the consumer reporting agencies are still violating my rights. 

Pursuant to 15 USC 1681b ( 2 ), you are to remove ALL negative accounts as it pertains to me, the consumer and natural person. You are also to mail me a copy of the updates to the address provided. See attachments of the accounts that are to be deleted immediately. 

In the attachments, you will also see all XXXX consumer reporting agencies ' failures to ensure the maximum possible accuracy as well which is another violation under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 SSN was ran by XXXX different lenders for car buying and I didn't make these inquires or authorize then. I contacted the company, but all companies advised I contact the credit bureau. I contacted Transunion and they advised I fill out this 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 2015-10-31
Company: BB&T CORPORATION
State: WV
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
XXXX/XXXX/2015 Debit ***OVERDRAFT FEE $ XXXX $ XXXX Debit TRANSFER XXXX SAV-INTRNT XXXX INTERNET PAYMENT $ XXXX Debit TRANSFER XXXX CHK-INTRNT XXXX INTERNET PAYMENT $ XXXX POS XXXX # XXXX XXXX XXXX XXXX WV XXXX BB & T CHECK CARD PURCHASE-PIN XXXX XXXX Credit COUNTER DEPOSIT View $ XXXX Debit ONLINE XXXX XXXX XXXX XXXX BB & T ONLINE BILL PAYMENT {$50.00} $ XXXX XXXX , ''BB & T '' charged me OVERDRAFT FEE OF $ XXXX XXXX ... ... ... ( FOR {$72.00} ), WHEN I DEPOSITED A ''GOVERNMENT CHECK '' ... ... ( JUST LIKE A GET FROM THE US GOVERNMENT, EACH XXXX & XXXX, OF EACH MONTH ) ... ..THEY KNOW IT IS GOOD XXXX!! 
SO WHY DID THEY ONCE AGAIN CHARGE ME ''OVERDRAFT FEE ''? I JUST GOT THRU WINNING THE LAST ''OVERDRAFT FEE COMPLAINT '' ... ... ( BB & T..CASE # : XXXX ) ... .ON XXXX XXXX, 2015, ***FOR THE VERY SAME THING***PLEASE HAVE ''BB & T BANK '' ... ... .RETURN MY XXXX-DOLLARS FOR ''OVERDRAFTFEE '', THAT HAPPENED ON XXXX XXXX, 2015 ... XXXX ( ABOVE ). 

THANKS, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: PatientFi, LLC
State: NC
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:
CFPB- I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND ( BUREAU ) DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ). 
ANOTHER METHOD PEOPLE DO IS JUST FILE AN FTC REPORT WITH ALL THE ACCOUNTS LISTED

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
DEPT OF ED/XXXX  violated my consumer rights. 

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

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

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 2018-09-17
Company: Experian Information Solutions Inc.
State: KS
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:
I submitted a credit dispute around XX/XX/XXXX and results were mailed back to me that dated XX/XX/XXXX. A previous dispute was submitted before this one, but I can not recall the dates. This dispute was to correct an error showing that a collection occurred on XX/XX/XXXX for a student loan from XXXX XXXX XXXX XXXX. I had provided a statement from XXXX stating that the account was paid in full as of XX/XX/XXXX. I tried to explain that the account was not a collection but should have been a paid-off status, even reasoning that an account could not possibly go from good standing to a past due collection. All of these attempts to change the incorrect information have failed. The XXXX account marked as a collection in XX/XX/XXXX needs to be changed to a good standing account that was paid and closed in 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 non-monetary relief