BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-24
Company: EQUIFAX, INC.
State: NC
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 is my second time opening a dispute for the same issue that was never resolved. First compliant is XXXX and feedback was provided with no resolve. Lets try this again, after numerous calls over the past five months or so creditors are unable to access my Equifax credit report and your customer service reps are very incompetent and love to transfer and disconnect. My issue is exactly the same as the folks on this thread : https : XXXX. I am currently unable to sign up for XXXX because I receive the message that " While processing FICO Premier, we discovered a mismatch in the personal information you submitted and are unable to deliver your data from Equifax ... XXXX '' I have attached a screenshot to this complaint. Also I am unable to retrieve a credit report from XXXX although at this time this is the least of my concern since you guys keep sending me credit reports when I file complaints or call in to complain. See attached screenshot. 

So here is what I need from you EQUIFAX. Fix whatever errors there are on the backend ASAP! It is my right to have access to my credit report and credit scores whenever I desire according to the Fair Credit Reporting Act and you are hindering this. Have the Office of Consumer Affairs check my profile please as they have corrected many others issues from the link I provided above. Do not send me another credit report as resolution!!!!!!!! I have also contacted my Attorney General and will continue to fight until you fix my profile in your system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I got a flyer from my school about job opportunities through XXXX. And the person in charge of this job offered me that I have to do specific daily tasks as a personal assistant, which involved sending money to foster care people for children, school supplies, or surgery. That person sent me checks XXXX times, and all the reviews got returned after a couple of days. On XX/XX/2023, I filed a fraud complaint with my bank, and they didn't take much action. I'm a student, and I don't earn that much to provide for myself, and when I asked if the bank would provide or help me with protection money, it seemed like they were not going to do it. They instead asked me to 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 2023-01-04
Company: CCS Financial Services, Inc.
State: AZ
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 canceled an XXXX account in XXXX of XXXX. I never received notice via email or text of a final bill ( I canceled midcycle and switched providers, so I was expecting a credit or a small prorated balance ). Didn't receive anything in the mail either. 

On XX/XX/XXXX, I received a first notice from XXXX of my credit monitoring services that an account has been placed in Collections. Hoping to settle and move on quickly, I called CCS asking for the balance, disputed it with them as it seem incorrect, and called XXXX, the original creditor, who gave me a breakdown of charges, and paid immediately. They agreed to revoke the collection status. 

On XX/XX/XXXX I disputed it with XXXX, and the account was updated a couple of days later to " CLOSED, PAID IN FULL, '' with a date of XXXX, which again is not accurate, because, I have well over XXXX active accounts, all paid on time, this was a debt I was never notified of. On XX/XX/XXXX, the same thing happened with XXXX, The case with XXXX is still pending.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
Company: EQUIFAX, INC.
State: NV
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:
XXXX XXXX XXXX is reporting a inaccuracies on my credit report.  My income was falsified to get me funded . I receive XXXX a month . They reported me with a monthly income of XXXX a month . And changed the credit application I have my letter of award from SSA showing proof of Income . I reported to Nevada State Attorney General Office I have sent 4 certified letters and still no response from XXXX XXXX XXXX I am asking Equifax,  XXXX,  XXXX to remove immediately this is a inaccuracies.  According to FCRA you cannot report inaccurate information to my credit file .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I previously sent a dispute letters addressed to the Credit Reporting Agencies requesting that the Credit Bureaus update, correct, and remove the disputed erroneous accounts that are reporting inaccurate information on my Credit file. I have read that the Credit reporting Agencies are required to report accurate information and investigate and correct any accounts reporting erroneously. I am submitting this CFPB complaint to follow up the previous CFPB complaint I submitted 15 days ago complaining and requesting the same disputes. Also, according to the FCRA, 15USC 1681i, the Credit reporting Agencies are required to finish their investigation within 30 days and send me copies of the results of investigation. However, 3 months had passed and the Credit Bureaus have failed to send me copies of documents they are required to send me and claimed that the accounts are verified. This action by the Credit Bureaus is a clear violation of a consumer 's rights. I am requesting to the Credit Bureaus to please correct and or remove the following accounts from my Credit report : DEPT OF EDXXXX XXXX XXXX XXXX. XXXX, XXXX Balance {$440.00} DEPT OF ED/NELNET XXXX XXXX XXXX. XXXX, XXXX Balance {$1900.00} DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$600.00} DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$2100.00} DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$1900.00} DEPT OF ED/XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$3600.00} DEPT OF ED/XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$3800.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$8.00} XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$44000.00}

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 2023-06-05
Company: CCS Financial Services, Inc.
State: SC
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:
Under what authority, statute, or law does CREDIT COLLECTION SERVICES have to share and or furnish my nonpublic, private, personal, identifying financial information? CREDIT COLLECTION SERVICES is sharing my consumers private, personal, nonpublic, identifying financial information, transactions, and experiences to third parties, which include but may not be limited to consumer reporting agencies ; and these actions are causing the consumer to sustain injuries. I recently learned that consumers have privacy rights secured to them under the Gramm Leach Bliley Act 15 USC 6802 and the Fair Credit Reporting Act 15 USC 1681a ( d ) ( 2 ) ( A ), that requires any financial institution desiring to disclose/share and or furnish private, nonpublic, personal identifiable financial account information, transactions and experiences about any customer and or consumer, must first provide proper disclosure regarding its intent to do so, as well as give the consumer an opportunity to opt out. CREDIT COLLECTION SERVICES is hereby notified of the following : ANY and ALL consent assumed or obtained by CREDIT COLLECTION SERVICES from the consumer, ( XXXX XXXX XXXX ) that granted it permission to disclose, share, or furnish the private, personal, nonpublic, identifiable financial information. transactions and experiences, whether it was expressed or implied is now REVOKED, TERMINATED, CANCELED, and RESCINDED retroactively to the date that such consent was presumed to be obtained, to-date. It was never my intention to willfully surrender any legal right to privacy, nor do I believe I have done so in any way ; therefore, I am investigating the validity of the " consent '' assumed or obtained by CREDIT COLECTION SERVICES.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: WELLS FARGO & COMPANY
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
This is my second complaint to Wells Fargo denying my modification. On XX/XX/XXXX Wells Fargo gave a response that said : thank you for the opportunity to address the concerns about request for a loan modification and the authorization. We've carefully researched this matter and are providing a response. Here are important account details we'd like you to know. At this time, there is a bankruptcy stay on the account with a five year plan. Once the stay is lifted, then the account can be reviewed to rescind the foreclosure sale. Until this is completed, we are unable to move forward with any request for payment assistance. The account is due for the XX/XX/XXXX, through XX/XX/XXXX, payments. A foreclosure sale was held on XX/XX/XXXX. Foreclosure has been suspended due to the active bankruptcy. I'm glad we spoke with the bankruptcy attorney XXXX XXXX about your concerns. I appreciate the opportunity to help you, and I've attached a copy of our response letter. 
My response to this is : how could a foreclosure sale have been conducted if the property in question was in bankruptcy, ( information from HUD ). But Wells Fargo continue 's to tell the agency that were working for the homeowner ( XXXX XXXX XXXX ), that the property has been sold, ( in a phone call to Wells Fargo as well as an email sent XX/XX/XXXX ). See attached ). 
According to HUD I can apply for a modification even while in bankruptcy. 
In a conversation with my attorney, XXXX XXXX, wells Fargo said that they would send modification documents to his office, ( this has not happened as of yet ). See attached. 
I feel that I am being treated unjustly and would like to know what this company plans to do about it. 
Thank you, 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 non-monetary relief
Consumer complaint received 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights . 

15 U.S.C 1681 section 602 A. States I have right to privacy. 15 U.S.C 1681 section 602 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 2019-06-22
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have sent several letters to have the fraud alert on my credit report removed but every time I look at my credit report i still have a fraud alert on there and its making application for new credit difficult.

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 2021-03-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was a victim of predatory lending practices by 5/3 bank. I was rushed to sign a waiver of my Homestead rights at a closing. My ex-husband was their borrower. I was the co-owner. After signing the Deed their closer and mortgage broker slipped a signature paper to sign. That paper had in small print that I am waiving my Homestead rights. I was rushed into signing that page without disclosure or explanation. I believe the whole mortgage was a mortgage scheme by this bank, they made me sign this in attempt for a speedy foreclosure if it gets to that point. 5/3 bank had took advantage of my disability and they sure discriminated against a XXXX person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Block, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I made a reservation on my cash app card for a XXXX on XX/XX/2022 for XXXX. I cancelled my reservation on XX/XX/2022. The cash app account that I made the purchase from cash app has closed that account so I have no access to the account. I have contacted XXXX and has been informed that I will have to go through Cash app once a refund is sent it does not return back to them even if the account is closed the institution will have to transfer the funds or send me a check. I have been constantly trying to inform cash app of my concern and have not received the proper customer service to solve my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: A.R.M. Solutions, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 I signed up for a prepaid newspaper service with the XXXX  XXXX XXXX at the XXXX XXXX  XXXX in XXXX XXXX, KS. The representative selling the paper stated this was a prepaid subscription and that it would not be auto renewed. I confirmed this a second time before I handed over my debit card for payment. I began receiving my paper with no issues, but I realized I didn't want to renew as the paper was not substantial enough to justify the cost. 
I had forgotten when the delivery was set to expire, but I received an email from the XXXX  XXXX XXXX on XX/XX/2020 stating that my subscription had expired on XX/XX/2020. The email also stated " We value you as a subscriber and hate to see you go. Renew your subscription today. '' I received several phone calls in the following months requesting that I renew my service. I declined each time. I was never informed during these calls that my service had continued or that I owed any money. I have never received a paper bill from the XXXX  XXXX XXXX. 
On XX/XX/2020, I received a letter from A.R.M. Solutions attempting to collect a debt of {$22.00} for their customer the XXXX XXXX XXXX. I emailed the XXXX XXXX at their request per the recording on the customer service phone line on XX/XX/2020. I requested the debt be removed as I had never received a bill nor was my service supposed to auto renew. I also included the email that showed my subscription had expired XX/XX/2020. I received a response to that email today, XXXX XXXX, that apologized for the inconvenience, but stated that I owe them the money. 
I viewed the XXXX XXXX XXXX XXXX site for the XXXX  XXXX XXXX and have found that this business has a pattern of predatory billing practices that often result in customer 's having to lodge complaints to obtain correction. I am disturbed that I can be reported to a collection agency for a debt that was never billed. If the XXXX XXXX had my address and my phone number to request renewals, it is perplexing to understand how I did not receive a bill. In addition, it appears the XXXX 's sales representatives repeatedly lie to consumers to get them to sign up for the service. I wonder why the XXXX can not take the same decisive action against its own employees that it takes against its " valued subscribers. ''

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 2019-08-18
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I’m in over my head with this loan. I started with one loan and then was offered an opportunity to take another loan, that tacked on the balance of the first loan to the new loan and gave me a different payment amount and more total payments due. Then I received another loan offer that tacked the previous two loans onto it and gave me an even higher loan payment and extended the number of my loan payments to an even longer period. I got lost with what was actually what, became overwhelmed by the overall costs of these groups of loans, that were condensed in one larger payment, for even more months. And like a house of cards, everything became overwhelming and fell apart. I went into the office in XX/XX/XXXX and made a payment. I also arranged for a payment to be paid by pre-dated check, in XX/XX/XXXX. The XXXX  payment that I arranged was taken, along with additional electronic payments (that were not authorized by me)...which in turn threw the account that these payments  were debited from (my checking account) into the negative & fees incurred. Nothing was done to resolve this issue, it was deemed to be my fault because the One Main account was behind anyway, and no adjustments were made to compensate for the damage done to my checking account. I refused to allow them to debit my checking account again, which made this account even further delinquent. At some point, I no longer knew where or how to properly come to terms with One Main & stop trying & stopped responding to their attempts to contact me.Now they are threatening to sue me for payment and attorneys are constantly seeking to represent me. I have no money to give them or any of these attorneys wanting to represent me, due to other financial issues that have come as a result of attempting to fulfill my obligations to them, as well as my other obligations.That’s my dilemma.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27
Company: BARCLAYS BANK DELAWARE
State: NY
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:
On the XXXX of XXXX Ive noticed a hard inquiry was reported to XXXX on my credit report. I got a notification on my phone from XXXX XXXX  indicating that I applied for some type of credit on XX/XX/22 which I did not applied for anything at all on that day or any other day. The company name is Barclays Bank of DelawareXXXX I Looked up that company and I placed a call but they prompted me for my information and a referral number which I did not have, so I told them that my name or information was used by them so they told me to repot it to the credit report agency which I had done.. Barclays Bank of Delaware could not give me any information unless I gave them all my information which I do not feel safe on doing to a company I do not know anything about and why and how they had my information in the first place.. so Im reporting this to have that hard inquiry removed from my credit report and to find out what I can do to have my personal information removed from certain companies or third parties companies and keep my personal information safe? However I did have all 3 credit report agencies freeze my accounts but I dont think that its enough to keep my identity safe. 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 2020-12-08
Company: Experian Information Solutions Inc.
State: OH
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 disputed items on my credit report due to they are inaccurate and unverifiable. The credit companies XXXX, Experian, and XXXX has not fixed the problem despite the evidence that has been sent via certified mail. According to the FCRA they are required under to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of there investigations and reinvestigations they stated in writing that they verified that these items are being reported correctly. Who verified these accounts? How did they verify these accounts? FCRA states that information has to be 100 % accurate which clearly it is not! They have NOT provided me a copy of ANY original documentation aka contract with my signature on it after asking them several times now! FCRA states under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) that they have to provide me with it if I request it which they haven't. Next they have failed to provide the method of verification they used as required under Section 611 ( a ) ( 7 ). These are the FCRA rules not mine so why aren't they following them? Lastly, under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. Which they have not done either, again why aren't they following the rules? Why do we have these rules if they aren't enforced or 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