BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-09
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit reporting 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:
To whom this may concern : I would like to state that according to 15 U.S.C. 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Your company is blatantly violating federal law ( 15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information can be held liable ). I noticed unauthorized accounts on my consumer report. I have not signed any documents authorizing your organization to report any accounts on my consumer report therefore, your reporting of accounts on my consumer report violates the Fair Credit Reporting Act. I am requesting that your company blocks and remove all disputed fraudulent accounts from my consumer report pursuant to [ 15 U.S.C. 1681c-2 ] ( a ) Block 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. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 15 U.S. Code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I DID NOT GIVE MY WRITTEN CONSENT TO YOUR COMPANY TO OBTAIN MY PERSONAL INFORMATION ) Therefore you furnishing accounts onto my consumer report is fraudulent and it is 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 2023-12-01
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was trying to sell something and I got an email from the person that looked like it was from XXXX then the person proceeded to scam me. The person took {$500.00} dollars and even though I called the bank not long after it happened the bank refused to refund me the money because " I authorized the payment '' when I literally got robbed {$500.00} dollars, they said it wasn't an error when I lost {$500.00} dollars. I am making this because I would like to know if there is any chance I could finally get a refund. I called the bank many times and even asked for a chargeback and asked to dispute the charge and the bank denied what I asked for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Back in XXXX There was XXXX Transactions with XXXX XXXX. Both transactions were disputed and I processed a claim. I only received one in the amount of {$5900.00} and the other was for {$2600.00}. I was advised that the claim for {$5900.00} was approved and that because the other one came back automatically they had closed my claim. I then called US bank and advised them that they took out my money again without my consent and I was told not to worry that they were going to re open the claim and credit the money since the 1st one was approved already the 2nd claim should also be approved. I request for that money back. I just received this collections letter and all this time US bank never advised that my account was in negative or in collections. I demand that the they do not put any amount in collections since I advised US BANK timely and filed my claim advising them that both amounts were not authorized by me. The account in question was closed due to fraud which ends in XXXX. It was closed in XXXX of 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 2022-10-19
Company: Experian Information Solutions 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:
This is a fraudulent account. I do not have an account with XXXX XXXX. They have no authority to collect on this account. This matter has been taken care of with the original creditor. There is no contract open or account assigned to XXXX XXXX. This account is reporting fraudulently and needs to be removed from my credit file immediately.

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 2023-06-30
Company: EQUIFAX, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-28
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XXXX XX/XX/19 I made a XXXX purchase for some clothing using my XXXX Card. I made a purchase for {$79.00}, but only {$71.00} was shipped. The {$7.00} purchased was mailed months later and I paid it in XXXX. However ; the payment did not go through for {$7.00}, like XXXX did this to me last month and I even have the confirmation numbers. I had to make the payment again and today I also made the {$7.00} payment to XXXX because it did not clear my bank ; however, the total payments of my account had already been made for the amount of {$89.00} ; when, the total balance of my order was {$79.00}. I even had to return a pant that sold for {$2.00} plus tax. I am size XXXX XXXX, or XXXX size. But XXXX sent me the pant with a waist measuring XXXX inches! Which would be the size of a person weighing 400 lbs. When I returned it, the horror story began, with XXXX charging me {$9.00} when they had send me a prepaid label for this amount due to their error! I've had XXXX Credit card for a very long time, over 10 years and also have a history of making ALL my payments on time 100 % of the time. This is how CPA Tier II accountants are, righteous! XXXX says I owe now {$130.00} ALL PAST DUE CHARGES AND INTEREST, WHEN I OWE XXXX XXXX AND EVEN HAD REWARDS OF {$41.00}! Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
I sent a certified letter to all three credit bureaus requesting them to investigate this closed account which has been closed since XX/XX/17. I asked for them to delete this closed account I also called them and it still is a hindrance on my credit report.This closed account has decreased my credit score, I'm having hardship in my life this closed account has caused me to be denied credit for housing etc. I sent the certified letters over 90 days ago and still nothing from them this violated the FCRA laws that makes the credit bureaus responsible to reply to consumers in a timely manner.

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 2021-07-17
Company: FIRST PORTFOLIO SERVICING 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've disputed this account directly with XXXX several times and also supplied an FTC report. This account does not belong to me. I've never taken student loans out with this company. I believe this information belongs to someone else.

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 2021-05-03
Company: Upstart Holdings, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a loan 2 months ago. I was approved but when I went to sign the papers, they incorrectly said there was information on my credit report causing a problem. I submitted a up to date credit report showing them their error. I was told AGAIN that I was approved and the approval documents were on the way. That was TWO MONTHS AGO. Every time I call customer service it takes several minutes while they review the notes on my account of which there are many due to the multiple calls XXXX dates listed below ). 

They then state they need to discuss the matter with a credit analyst. I am then on hold for an extended period until they return and always state a computer glitch is delaying the documents and they will fix it immediately. 

I have spent many hours on the phone and always get this answer. I called XX/XX/XXXX, XXXX ( twice XXXX, XXXX, XXXX, XXXX ( twice ), XXXX, XX/XX/XXXX, XXXX ( twice XXXX, XXXX, XXXX, and XXXX with each call lasting around 15 minutes .... longer if I asked to speak to a supervisor. 

I am told every time that the loan is approved and the documents to sign will be sent shortly.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: NV
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:
I have repeatedly emphasized the urgency of this matter. I am fully prepared to take decisive action. Given the lack of progress or any positive developments, I am left with no alternative but to escalate this case to arbitration. Despite my previous efforts to address this dispute, no resolution has been reached. The entire extent of my grievances remains unresolved. The investigation, which was supposed to be completed within 30 days according to the law, actually took 60 days. This delay is unacceptable, as anything beyond the mandated timeframe necessitates removal. I have already reached out to the XXXX XXXX XXXX, indicating my readiness to pursue arbitration against all relevant parties for the damages incurred.. Regrettably, I am unable to relocate due to the companies ' unlawful reporting of consumer credit transactions, which flagrantly violate my consumer rights, privacy, and consumer law. I am actively engaging with the state legislator regarding this issue. Despite my attempts to resolve the matter with all three credit reporting agencies, who continue to report these illegal consumer credit transactions, I am left with no choice but to initiate arbitration proceedings to seek compensation for the damages inflicted. I am seeking {$25000.00} for each damage caused to ensure the safety and well-being of myself and my children. The distressing nature of this situation has compelled me to seek counseling and various forms of assistance. It is imperative that these erroneous late payments be expeditiously removed from my records. 
These account are reporting fraud does not belong to me.

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 2023-04-01
Company: Experian Information Solutions 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:
I contacted Experian to notify the organization that it was unauthorized inquiries on my credit report. I explain to them that I had contacted all the companies and they did not have an application on file so they to me to contact the credit company. Experian removed a freeze from my account without my permission and claimed they receive authorization from me which was not valid. At the time I was suffering from XXXX  XXXX XXXX XXXX and unable to walk or drive. So there is no way that I was applying for any vehicle while going through XXXX XXXX and 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 2023-07-28
Company: TRUIST FINANCIAL CORPORATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Opened account with SunTrust inXX/XX/XXXX and have made regular payments. I am based in XXXX and account was maintained satisfactorily. 

SunTrust became Truist and I wrote to them on XXXX XX/XX/XXXX asking for advice re future payments and obtaining a PIN. 

No response so wrote again on XXXX XX/XX/XXXX enclosing copy of previous letter. 

No response so wrote again on XXXX XX/XX/XXXX enclosing copies of previous letters. 

No response so wrote again on XXXX XX/XX/XXXX with copies of previous letters. 

No response so wrote again ( fraud department ) on XXXX XX/XX/XXXX again enclosing copies of previous letters. 

No response so wrote again on XXXX XX/XX/XXXX enclosing copies of previous 5 letters. 

Still nothing.

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 2019-12-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX response was that my forbearance was for XX/XX/XXXX until XX/XX/XXXX. I have never requested a 4 month forbearance. Go back and listen to the conversation and check my history. I have ALWAYS got and requested a year long forbearance. It makes absolutely no sense to give me a 4 month long forbearance. The new semester doesnt even start until XXXX of the following year. The customer representative made a mistake and XXXX needs to rectify it. It is unacceptable and make absolutely no sense to give anyone a 4 month long forbearance. That is predator tactics. After speaking with a supervisor months ago he told me that the Call was recorded and the the department would refer back to that one. He said that I went back into repayment because it was assumed that I was starting a repayment plan. Which is false. And I will get the recording if needed. The only thing I asked the CSR in XX/XX/XXXX was if I wanted to start repaying what were my options in which she told me shed email some options to look at into the future. I am at the point now where if needed, I will get a lawyer to request the audio history of the call. I went into repayment due to a CSR error and that phone call needs to be revisited by the XXXX Credit Bureau ASAP. I always have requested a year forbearance why would that suddenly change!? 




My Original Complaint : My XXXX account was reported missed and delinquent 90 days in XX/XX/XXXX. It was wrongly put into repayment when I specifically requested a forbearance in XX/XX/XXXX meaning XXXX wouldnt have been in repayment until XX/XX/XXXX. I sent two certified letters to the XXXX credit Bureau because they only accept letters. I sent one in XX/XX/XXXX and one XX/XX/XXXX. I was told via a customer service manager that the bureau has 30 days to respond. However they have yet to respond to either letter. My complaint is that this company are crooks. They destroy lives and credit. And their business practice is unethical. I have a incorrect credit report with no way of fixing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: AES/PHEAA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In short, FedLoan Servicing can not be trusted to correctly count the number of qualifying payments made for PSLF. They have repeatedly given me incorrect and misleading information about the number qualifying payments I have on my loans before I am eligible for forgiveness. As I have certified my employment properly, these numbers should be continuing to increase by one qualifying payment per month. Instead, here are the dates of letters I received from FedLoan Servicing and the number of qualifying payments they told me I had made in that letter : XX/XX/XXXX 52 Qualifying Payments XX/XX/XXXX 52 Qualifying Payments XX/XX/XXXX 52 Qualifying Payments XX/XX/XXXX 63 Qualifying Payments XX/XX/XXXX 74 and 77 Qualifying Payments ( for the two federal loans I have always paid together ) XX/XX/XXXX 67 and 76 Qualifying Payments ( for the two federal loans I have always paid together ) XX/XX/XXXX 44 Qualifying Payments XX/XX/XXXX 84 Qualifying Payments XX/XX/XXXX- Letter from FedLoan- CFPB Response 84 Qualifying Payments XX/XX/XXXX Letter from FedLoan- rejection of PSLF Application 100 Qualifying Payments Most notably, how could the number of qualifying payments between XX/XX/XXXX and XX/XX/XXXX DECREASE by over 20 payments? How could it then increase in 4 months (XX/XX/XXXX ) by 40 payments?? They are just throwing random numbers out there. 

I was rejected for PSLF  on XX/XX/XXXX and in that rejection FedLoan stated I had made 100 qualifying payments. Just two months earlier, on XX/XX/XXXX, they told me I had made only 84 qualifying payments. This is not possible. 

This organization has no idea what is going on. Of course they did not provide an accounting of the payments they counted or didn't count as qualifying with my XX/XX/XXXX rejection, because they are just throwing random numbers out there. I have requested an accounting from them directly anyhow. According to my records, I have made 120 qualifying payments, and it is undisputed I have worked for a qualifying federal government agency continuously since XX/XX/XXXX. I should qualify to have the balance of my federal student loans forgiven under PSLF.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
SOMEONE STOLE MY IDENTITY AND OPENED A FRAUDULENT ACCOUNT AT MACY 'S. I HAVE SENT NUMEROUS TIMES MY IDENTITY THEFT REPORT TO HAVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I BELIEVE I MA BEING DISCRIMINATED SINCE I AM AN XXXX   WOMAN, THATS WHY THEY REFUSE TO REMOVE THE FRAUDULENT ACCOUNT. 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 2017-11-10
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
Porfolio Recovery continues to report this account on my credit report which is n't my account. I 've sent my request on XXXX of XXXX for validation and never received it. They company says I owe over {$700.00} for a debt but they wont send me any proof. I tried contacting them in XXXX of XXXX and XXXX of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19
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: Information belongs to someone else

Complaint:
This letter is a formal complaint against XXXX XXXX XXXX XXXX. They have repeatedly violated the Fair Debt Collection Practices Act and have become extremely harassing. This account is trying to collect a medical debt, which is also listed on my credit report in XXXX and TransUnion. I have requested several times for verification. This company will not furnish a signed authorization, they just furnish a statement, which proves nothing. I asked to validate the numerous listings on my credit file and again all I receive is statements. Additionally, XXXX and TransUnion are violating sections XXXX & XXXX for willful noncompliance & negligence. This is already creating additional emotional & physical distress in me. I need this account blocked/removed from my credit file. The account is as follows XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$5000.00}

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