BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-16
Company: World Acceptance Corporation
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:
This was a {$600.00} loan with a XXXXmonth term. I was wrongfully terminated and fell behind on everything. I've wanted to take care of this but XXXX years later they are still reporting random balance increases yet charged off the account. The balance they're reporting is entirely made up. It doesn't reflect interest owed or even my loan with them. They refuse to remove it after XXXX disputes with credit bureau. I've called and the lady refuses to give me the XXXX and they don't call back. I can't move my family into an apartment and been denied jobs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Experian Information Solutions Inc.
State: TN
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 XXXX Bank, Account # XXXX has violated my rights.

15 US 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 2023-11-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, INC.
State: TN
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 XXXX Bank, Account # XXXX has violated my rights.

15 US 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, INC.
State: GA
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:
Hello, I have recently noticed fraudulent activity on my credit reports. A Collections account from XXXX XXXX XXXX XXXX. Original Creditor Name : XXXX XXXX in the amount of {$2700.00} that was wrongfully reported on XX/XX/2022. What I have found has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Sigue Corp.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/22 my debit card information that was stolen through an online data breach was used at sigue.com to transfer {$450.00} to somebody in XXXX. I received an email at XXXX to confirm the transfer. When I saw it in my email around XXXX I then checked my bank account and saw that it was in process. The email from sigue said there was only 30 minutes from the moment the transaction started, to cancel it. I was unable to cancel it. I contacted my bank immediately and my card was deactivated, but it still ruined my finances until my next paycheck. The bank will be posting it back within the next few days, after the debit fully posts and the fraud report is complete. 

This company does not appear to use any type of secondary identification to verify transfers and anybody with credit card info can go on and send money without id verification, email verification, etc.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 2022-06-16
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act the following has violated my rights. 
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 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 with out 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 explanation
Consumer complaint received 2016-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/22, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate these accounts, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX : {$13000.00} ; XXXX XXXX XXXX XXXX Balance : {$210.00} ; XXXX XXXX XXXXXXXX Balance : {$420.00}

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 2019-02-04
Company: EQUIFAX, INC.
State: MS
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 XXXX of 2018, I sent a certified letter to Equifax asking them to verify an account listed on my Equifax credit report. Equifax initiated dispute number XXXX. The account is listed in collections, but I do not owe anything to the listed collection agency. From my understanding, if Equifax can not positively verify the account, it must be removed from my credit report. I explained to Equifax when I called them today that the debt collection agency refuses to send me proof that I owe them and keeps demanding that I set up payment arrangements. I have already disputed this with the debt collection agency itself but they reported to my credit anyway with a remark stating " consumer disputes account, '' so both Equifax and the debt collection agency have already been alerted that I do not agree with their claim that I owe anything. In fact, I have been trying for months via phone and via written requests with the debt collection agency to get this issue resolved. The debt collection agency will not respond to my multiple requests for validation. However, today I was told by an Equifax employee that I would need to submit yet another dispute with the debt collection agency and that if they still do not comply, that I would need to file a police report. If the law states under the FCRA that unverified accounts must be removed and if Equifax is unable to provide me a copy of verifiable proof, why is it that I'm having to take additional measures such as going to the police to have this issue resolved? Why isn't the debt collection agency being required to provide verifiable proof that I owe the account listed on my credit report? This is unfair and the fact that I'm being requested by Equifax to provide additional documentation is ridiculous especially if the debt collection agency is not being required to provide verifiable proof of this account. How can I provide proof of something that does not exist? How many letters am I going to have to send to the debt collection agency before something is done? What happens if the debt collection agency never responds to me? The runaround in this situation is extremely frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have had a wells fargo credit cards for years with the same {$300.00} limit. Wells fargo refuses to increase the credit limit even though I have never missed a payment. I have many other credit cards from many different companies all of them have been open less time than the wells fargo card and every single card has a higher limit and has increased the credit limit multiple times. Every single account I have is in good standing. I have never missed a payment on any account. Every other account I have has increased my credit limit except for Wells Fargo. This is not fair from Wells.

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 2019-07-07
Company: Experian Information Solutions Inc.
State: AR
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 disputed the 30 day delinquent reporting when I learned of it by applying for a loan on XX/XX/18. 
I submitted a written letter to XXXX XXXX XXXX and requested to investigate my complaint and to remove the 30 day delinquency notice because the payment was made to their company on time. 
I am writing to request assistance in having a 30 day delinquent entry removed from my credit report from all 3 credit bureaus. 

The correction of the error being sought is described below in regard to the mortgage on my property. 

A 30 day delinquent entry on my credit report by XXXX XXXX XXXX because of an escrow shortage ; which is only a proposed or projected change. Its was not an actual payment that made that the company made and needed to recouped. Further, the proposed or projected escrow change was paid in full once XXXX XXXX XXXX was contacted. 

Payment application errors : XXXX XXXX XXXX rejected the full payment I made in XX/XX/2018 in the amount of {$1200.00}. It was not applied to the loan or returned to me. Why was it not returned to me if it was short within a timely fashion to avoid it being 30 days late? XXXX XXXX XXXX should not be unjustly enriched by unapplied funds sitting in their account that was intended to be applied to subject mortgage loan. 
XXXX XXXX XXXX did not properly credit the payment received on XXXX XX/XX/2018 in the amount of {$1200.00}. Said payment should have been credited to : XXXX XXXX XXXX Loan #. 
XXXX XXXX XXXX credited the XX/XX/2018 payment on XX/XX/2018 ; which resulted in a 30 day delinquency notice being placed on my credit report and a significant drop in my credit score. 
The payment should have been applied on the day it was received in accordance with 12 CFR 1026.36 ( c ) ( 1 ). 
XXXX XXXX XXXX should be required to remove the delinquent entry. It is harsh, detrimental and unjust. 
Mortgage Companies should be required to notify consumers via certified mail, phone or fax if unapplied funds are being held because of the adverse impact it has on a consumers credit worthiness, standing and capacity.

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 2023-07-07
Company: Block, Inc.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
We are a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We just started using Square.com for CC and checking expenses for company. We only have 6 transaction on the ledger as we just started using it. on XX/XX/XXXX we transferred {$500.00} into account for operating expenses. Went to try and purchase Feed for our livestock. It was declined 3 times. Called and they told me my account was under review. the next day got a email stating the account was deactived and they will hold our funds for 90 days before returning. We have had XXXX goats die ( {$500.00} ), had to cancel 4 classes ( {$2000.00} ) plus the {$500.00} they are holding. This is my last attempt before getting a lawyer. I contacted and filed a complaint with the XXXX as well as the Attorney General of TN. XXXX got reply that they will investigate it, note only one goat died at this time. the next day another one died because of this. I immediately logged into XXXX  and reported that I did not accept the resolutions. This was the reply from them and what I wrote back. 

From Square : Hi XXXX, My name is XXXX and I am a Manager with Square. I am reaching out about a XXXX XXXX XXXX  complaint that you filed on XX/XX/XXXX. I am currently investigating this issue, but wanted to make contact with you. I will follow up again once I have more information about the situation. If you have any additional questions related to this issue, please respond to this email directly. I am happy to help. 


Regards, XXXX ( she/her ) Complaints Manager | Square Customer Success ref : XXXX : ref My Reply : From : XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX  Subject : Re : A Message from Square Support To : Square XXXX Cc : Yes it has been a nightmare I have only used it for like 6 transactions and just started using it for business expenses. We have no reason why it was deactivated. We now have our feed bill for our XXXX XXXX XXXX XXXX XXXX in limbo. It now starts transfer in progress. But every day keeps changing the date started out pending transfer on XXXX next day it changed to XXXX and today changed to XXXX. We are a XXXX XXXX that relies on donations and operating expenses which two of our goats have does since this. And we had to cancel 4 classes as we teach the youth about XXXX XXXX  and sustainability. There was money moved there to test debit card. Then there was a test transaction from website then the feed expense which was denied 3 times even though we moved money into it for this expense. We need that money released so we can feed our animals. Right now we are at a loss for about XXXXXXXX XXXX for the goats. XXXXXXXX XXXX for the classes canceled and the XXXX tied up in limbo. We need a resolve in this matter as if we loose one more animal there will be a lawsuit drawn up. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Klarna AB
State: CA
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 did not try to receive any credit card or do any increase. Nothing to do with XXXX XXXX, please fix this inquiry on my Report!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Upon my husbands released from the XXXX hospital down in XXXX XXXX for XXXX XXXX XXXX symptoms are hardship has been throughout the month of the year in XXXX. I sign up to have my loan my mortgage loan put on a modification, which it was a three month modification trial. Before we can start a mitigation, lost mitigation due to XXXX XXXX XXXXXXXX prepaid card that weve been on through XXXX or through XXXX somebody had fraudulently use the card and took out all the money in the bank now that put us in for our last payment, we defaulted in XXXX not because we didnt have it, but because somebody took it out of our bank account, which is leaving us now into it like an open area basically for any foreclosure. What can we do to stop this prevent this maybe look at another avenue weve lived in this house for six years when we want to keep it. Its our home.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX payment was made on XX/XX/XXXX and I have been charged late fee of {$28.00}. Due to COIVID-19 my unemployment arrived late and I and payment on XX/XX/XXXX which should have been paid by XX/XX/XXXX. Company has refused to reverse the late fee payment because of COVID-19 when I have lost my job and have no income except unemployment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-26
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I am part of the Pay As You earn repayment plan, however the payments are way too high for a   XXXX   XXXX   living in   XXXX   XXXX   XXXX   where rent and cost of living are ridiculously expensive. I feel that these are things that should be taken into account. I 'm struggling to make these payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: WELLS FARGO & COMPANY
State: CO
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:
This involves Wells Fargo Bank. 
On XX/XX/2022 fraudulent cash advances were made on two separate credit cards. These cash advances were transferred to my business checking account ( by the person committing the fraud ) from which a fraudulent wire transfer was made. I notified representatives at Wells Fargo within minutes of the fraud taking place. 3 months have gone by and Wells Fargo has yet to correct the situation. 

Business credit card ending in XXXX in the amount of {$9000.00} and personal credit card ending in XXXX in the amount of {$8000.00}. These cash advance funds were transferred without my approval to the business checking account ending in XXXX from which the {$17000.00} fraudulent wire transfer was made. 

Over the last three months Wells Fargo has been dragging their feet addressing my claim. They replaced both credit cards and transferred the fraudulent cash advance amounts to the new cards. Since representatives at Wells Fargo were unavailable to discuss the lack of action on their part, I used my own funds ( admittedly in a bit of a panic ) to pay down the new credit card balances to protect my credit rating. Wells Fargo now claims that since the credit card balances are essentially XXXX, " restitution '' has been made. They refuse to acknowledge that MY funds were used and that I ( the victim ) am in no position to provide restitution. 

Most recent Wells Fargo parties involved : XXXX XXXX : XXXX ( Business credit card ). 
XXXX : XXXX XXXX ( Consumer credit card ) Please address this issue and explain why Wells Fargo shouldn't provide restitution for fraudulent credit card charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief