BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The company is USAA. Everytime they have contacted me I have told them to work with XXXX XXXX XXXX who I am using for debt consolidation. Example dates XXXX XXXX, XXXX, XXXX XXXX, XXXX. 

I informed them that I was working with XXXX XXXX  and to talk to them. I seperately called XXXX XXXX on XXXX XXXX and confirmed they had spoken to the settlement department at XXXX XXXX 

However, USAA continues to try and contact me. I actually spoke with a manager there, and set up a date, also XXXX XXXX, for them to call me at XXXX my time at which time I planned to get them and XXXX XXXX on the phone together. Instead, I got no phone call on the XXXX or XXXX, and got another missed call this morning at about XXXX ( ca n't answer because I 'm at work so I declined the call ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I already sent few rounds of dispute about them. So many negative accounts on my name! They are not mine, I have never get it. Im sure that someone hacked my account and used my private information

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 2021-09-22
Company: YSA ARM LLC DBA Oxygen XL
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: Investigation took more than 30 days

Complaint:
Attention : Consumer Financial Protection Bureau I sent a letter to Oxygen Recovery Group ; also referred to as OXYGEN XL disputing an account as erroneous on XX/XX/2021, and mailed OXYGEN XL a certified letter, return receipt requested. It is now XX/XX/2021 and I have not received a response from OXYGEN XL. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), OXYGEN XL has ( 30 ) days to investigate my dispute. OXYGEN XL has not verified the information within the 30 day time period, OXYGEN XL must delete all of the disputed accounts from my report. OXYGEN XL must now delete the disputed and unverified account. Failure to do so may result in a {$1000.00} fine per undeleted item. Attached is a copy of the postal receipt of my credit dispute to OXYGEN XL and a copy of my original letter showing the account I have disputed. Thanks in advance to your timely response to this request. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: EQUIFAX, INC.
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:
Upon reviewing my recent credit report I found several inquiries in which I never authorized and request the prompt deletion of them. I am listing those inquiries below for your convenience. 
EQUIFAX - XXXX on XX/XX/XXXX EQUIFAX - XXXX on XX/XX/XXXX EQUIFAX - XXXX on XX/XX/XXXX EQUIFAX - XXXX on XX/XX/XXXX EQUIFAX - XXXX on XX/XX/XXXX EQUIFAX - XXXX on XX/XX/XXXX XXXX - XXXXXXXX XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX  - XXXX  XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX {$0.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( XXXX ) In general Before the expiration of the XXXXbusiness-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( XXXX ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( XXXX ) and before the end of the period referred to in paragraph ( 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 2017-11-16
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I 'm tying to open and account but they will not let i do n't no what is wrong i do n't own no one anything.

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 2017-11-16
Company: EQUIFAX, INC.
State: SC
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:
There are several items appearing for medical which are inaccurate and false information. I have tried several times to request validation and nothing has been sent. How is Equifax able to keep these on my credit file? I need help XXXX Accounts # XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: ALLY FINANCIAL INC.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
My sister asked me to co sign a vehicle for her. She and the Car dealership had me sign in the Owner portion of the loan instead for a specific vehicle. When I left for sea with my ship, my sister went back to the dealer with my father and had the vehicle swapped. When I came back and realized this it was already too late to change anything. She is not paying the bills on time, still owes the state of Virginia registration fees that has not been satisfied in over a year. I called Ally Financial multiple times explained the situation and asked them to repossess the vehicle because I no loner want it and they refused to do so. They keep telling me that she needs to agree to the repossession. I told them the address where the car is located and I also give them her contact info. The vehicle is parking with no insurancing or a current registration. I do n't want to be lliable for the vehicle as I am still the primary owner of the car. I want them to reposses it. I already give them the location of the vehicle multiple times and they still have n't picked it up.

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 2022-02-17
Company: Mortgage Research Center, LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX my payment portal gave me the option to pay an escrow shortage amount of XXXX to prevent my payments from being increased. I paid the shortage expecting my mortgage payment to not change. On XX/XX/XXXX I went into the payment portal to find my mortgage was increased anyway. I called veterans United and was told that it only covers the previous escrow and not the current. I stated that was true since the payment system states PAY DOWN YOUR SHORTAGE XXXX Available until XX/XX/XXXX PAY DOWN YOUR SHORTAGE The escrow account analysis resulted in an escrow shortage. To recover this shortage, we have increased your monthly payment for at least the next 12 months. If you would like to prevent this increase in the payments, you can choose to pay the shortage in full. Paying the lump sum payment is not required and completely voluntary. If you choose to make this lump sum payment, it must be received by us prior to the increased payment effective date listed on your most recent escrow analysis statement. 

I feel that veterans United is using unfair business practices by not fully disclosing that mortgage can in fact still increase even if this balance is paid.

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 2021-10-09
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: Asset Recovery Solutions, LLC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX XXXX hired XXXX XXXX XXXX, to collection on a debt that I allegedly owe for {$1100.00}. At this time XXXX XXXX XXXX and I have been unable to come up with an agreement on the account. 

Respectfully, XXXX XXXX XXXX has hired Asset Recovery Solutions LLC to collect the amount allegedly owed. 

1- On XX/XX/XXXX, I have offered to settle this account with Asset Recovery Solutions for $ XXXX- Asset Recover Solutions declined to accept my offer 2- XX/XX/XXXX, I  spoke with Asset Recovery Solutions and XXXX XXXX @ ext XXXX XXXX Today, XXXX XXXX XXXX has done the ultimate collection practices with borderlines extortion, harassment and intimidation 4- XXXX XXXX XXXX, advised that they will only do a settlement offer with me for {$650.00} for TODAY and TODAY only for payment over the telephone. 
5- I advised XXXX XXXX XXXX that I would settle the account for {$500.00} and that the only way I feel comfortable with any transacations is for them to send me a settlement agreement via USPS to my address of record, in turn if the agreement is satisfactory- then I will mail them an online bill payment check though my bank with certified funds. This way I feel comfortable about them not having my financial information and they would have certified funds. 
6- the Manager of Asset recovery then began his intimidation and harassment practices. The Manager began to tell me that IF I do not pay him today the {$650.00} then the next time if and when I call to pay it is going to be {$900.00}.
I wish for Asset Recovery to refrain from calling me and I will either deal with the original credit only. This is harassment intimidation and extortion. I was at work in front of patients to the point I was almost crying while he was basically demeaning me. This is illegal collection practices. 

I have tried on multiple occasions to reach the bureaus without any success of talking to any represtative at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
on XX/XX/2019 I tried to cash out my money from cash app to my bank card I was told that my account has been closed and then I should link a new debit card to withdraw my remaining funds every debit card and credit card that I've linked is not compatible with cash app there is no operator to speak with only voice animated replies I currently can't withdraw the funds or send the funds to someone else ... I have no idea what to do now I've been trying for two months now

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: ADIR INTERNATIONAL LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX I opened my first credit line with Curacao and purchased a laptop with my {$700.00} credit limit from XXXX I paid the laptop off and never missed a payment. In XX/XX/XXXX I was being charged without my consent from Curacao apparently  for a virus protection program I never agreed to. It was installed for 12 months free and charged me without knowing I had it on my laptop. From XXXX to XX/XX/XXXX i missed payments of this program without knowing I had an existing payment, the end of XX/XX/XXXX I received multiple calls from a credit debt collecting company to pay the balance I made the payment in full hoping they would remove the collection from my report, which they did not do so. The collection company agreed to remove the collection from my report and failed to do so. Ever since this happen 6 years ago I have not done business with this company, I feel lied to and cheated out of what has greatly effected my credit score for  the pass 6 years.

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 2022-02-17
Company: EQUIFAX, INC.
State: PA
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:
I was a victim of identity theft. I sent XXXX, XXXX, and Equifax my FTC report on XXXX/XXXX/2022. According to 15 USC 1681c-2, Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: WELLS FARGO & COMPANY
State: NH
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 took a loan out with Wells Fargo in 2010 for my daughter. I applied for it with her as the primary and me as co-signer. The amount of the loan was {$7700.00}. The interest rate is 9.49 %. I have paid {$5100.00} into the loan and the balance due is {$7900.00}, a balance that is more than the original loan. This seems impossible, the other student loans I have for both her and myself have paid down. Can this be possible?

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 2022-07-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
It has been drawn out into the open that Credit Bureaus are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that Equifax decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here is the account that needs to be removed from my that is unknown to me : XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am presenting documentation that clearly and indisputably established that Wells Fargo acted in an Intentional Misrepresentation and Omission of Material Facts in order to deny a claim for theft. 

I am hereby attaching information and supporting documents that will establish my claim against the actions of Wells Fargo. 

Please see the attached .pdf files.

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 2021-09-22
Company: FC HoldCo LLC
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: Was not notified of investigation status or results

Complaint:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate.

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 2020-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have disputed this items several times. They are unable to provide me with my signature, pay history, and ID that was used. 
This is a collection agency 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 2022-02-17
Company: Experian Information Solutions Inc.
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:
Upon reviewing my recent credit report I found several inquiries in which I never authorized and request the prompt deletion of them. I am listing those inquiries below for your convenience. 
XXXX - XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX EXPERIAN - XXXX  XXXX XXXX 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
Consumer complaint received 2018-01-27
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The computer was returned back to the store and management refuse to credit the merchandise. The store manager decided to attach the file amount owed to make me pay for a computer that was returned. This created a bad relationship between myself and Conn 's Department store.I truly tried to resolve these debt 's with Conn 's management.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: ADP Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Good afternoon, Consumer Financial Protection Bureau. Thank you for our phone consultation and expressing to file another complaint. Below is the initial complaint that was filed : Wisely Pay has a feature called preauthorization hold that's automatic. I am seeking for Wisely Pay to please stop having this feature applied. There are declines when there are sufficient funds because of this. These transactions are not out of the U.S. There is a transaction that was disputed. I filed a claim within the timeframe. I expressed that the transaction was not authorized. Wisely Pay had not resolved the issue or proceeded with the claim when it was requested in writing for Wisely Pay to do so. 

Per our phone consultation, I am refiling the same complaint because Wisely Pay had not followed their protocol. The protocol is to present what Wisely Pay had utilized to make its determination. Wisely Pay had not presented to the consumer what was utilized when responding to the complaint. This was requested in-writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Experian Information Solutions Inc.
State: IL
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:
Then below CLOSED personal loans do not accurately show account info such as original loan amount, monthly payment & more importantly, payment history for correct timeframe My credit factors states I have new accounts because these old accounts payment history is inaccurate/ommitted XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief