BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-15
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
To whom it may concern- Starting in XX/XX/2017, I've been having difficulties with my now former financial institution, Wells Fargo . They assigned me a new bank account that I did not authorize, and withdrew funds when my account balance was low. They sent me a new debit card that I did not want. I also have asked for my personal line of credit balance and they gave me the wrong amount owed. They have not sent me the personal line of credit statements that I requested. 

Please resolve this as quickly as possible. Thank you. Sincerely yours-

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 2019-03-13
Company: Navient Solutions, LLC.
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, I responded to an email from Navient Student Services that my private loans were due for repayment. At that time, I didn't understand what they were referring to, but I was afraid that if I didn't at least pay the amount they were requesting to put my " private students loans '' in forbearance, they were going to put in delinquency on my credit report. So I paid them the amount of {$100.00} they requested to put my " loans '' in forbearance, which I thought it would be until XXXX, but then when I called back on XX/XX/XXXX, they said that the payment was only for a month forbearance and they need another {$100.00} for another month. That's when I decided to ask for the promissory notes they supposedly had, because even then I did not remember requesting any private loans from them. The only loans I have are through the DOE through fedloan. Those loans are legitimate, but these loans with Navient are not. When I received the promissory notes, they confirmed my suspicion, I never made these loan requests. Someone copied these loan requests from when I was at XXXX College from the loans I had through the DOE. The loans from Navient had originated through XXXX XXXX in XXXX, and I never authorized these loans at all. They were all made electronically with an e-signature and I never did that at all with XXXX. And yet Navient still wants their money, they have harassed me with calls and emails left and right AFTER I told them that these loans are fraudulent. And yet the representatives told me that there was nothing they can do because the loans were dispersed to the college during the time I was there. BUT I NEVER REQUESTED THESE LOANS. Also Navient says that a Stafford Subsidized Loan was made by me to XXXX XXXX University in XXXX, and I never went to XXXX XXXX University in XXXX. I went there ON A XXXX XXXX during XXXX. So that is definitely fraudulent and I should not have to pay anything nor be threatened with delinquency at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
Good Afternoon, i filed a dispute on XXXX XXXX on XXXX  because it is stating a derogatory paid in full then speaking to XXXX XXXX they explained a late fee which impossible due to the payment was reported in full? it can be both? i asked them to update they explained they updated it and it is XXXX  that did not update it over a year ago! now i have filed a ftc on a different type of fraud because this is wrong and FRAUD you can not choose not update the file for over a year.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My identity was stolen. I filed a XXXX XXXX XXXX police report Case No. XXXX, and also a F.T.C. " Identity Theft Affidavit '', # XXXX. I submitted my notarized documents by certified mail to XXXX XXXX, XXXX, and Experian. They did not do a thorough investigation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This complaint is for EXPERIAN. I sent them a letter regarding the inaccuracies in my report last XX/XX/2023 due to inaccurate reporting reflecting on my credit report but no further action has been taken. They claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.

I have also attached and FTC report as the proof that the XXXX XXXX account XXXX has been reporting fraudulent charges and 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 2020-04-20
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
RMP LLC CALLED ME TODAY ABOUT DEBT, DIDNT VERIFY ANY INFO ON THE PHONE BUT TOLD ME I OWED A DEBIT.. VERIFIED THEY HAD THE WRONG ADDRESS.. ASKED IF I COULD TAKE CARE AND GET REMOVED FROM MY CREDIT AND THEY TOLD ME NO.. I HUNG AND CALLED BACK THE NUMBER THAT CALLED ME ( XXXX ) AND SAID THE NUMBER WAS DISCONNECTED.. SO I THOUGHT WAS A SCAM ... LOOKED UP THERE NUMBER.. CALLED BACK TO UP DATE MY ADDRESS AND GET A BILL THAT IVE NEVER REC. ONE OF THE REPS SAID THEY WAS CALLING FROM HOME THAT WHY THE NUMBER CAME BACK DISCONNTED.. THATS A LITTLE CONSIRING TO ME THAT MY PERSONAL INFO IS AT SOMEONES HOUSE ... WHICH SEEMS WRONG AND EVERY WITCH WAY ... CAN YOU PLEASE HELP ME..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
After spending over XXXX weeks without a debit card, I finally received my debit card about XXXX days ago. My wife still waiting for her debit card. She have called several times. have filed more than twentieth time and they keep allowing merchants to charge me without my consent. Every time Wells Fargo finished an investigation, I received an email stating that it had been a system error. I have attached a copied as a evidence. 

On XX/XX/22 my wife, XXXX kids and I went to eat to a XXXX 's restaurant and my debit card was declined, I immediately called the bank to unblock my card instead they block my debit card because once again there were XXXX Unauthorized transactions. I was so embarrassed because I did not have any cash on me. This the second time that this bank is doing this 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 2021-07-10
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have had a Cash App account since XXXX. It is rare that I have to dispute transactions with it but it seems like since the pandemic, lots of merchants are being downright ruthless, shady, and FRAUDULENT.

Historically, disputes were a pretty seamless process. There's an option in the app to dispute transactions, of course Cash App recommends trying to resolve these disputes with the merchant directly. I have always done that BEFORE contacting Cash App Support. 

Recently, I had 3 transactions I needed to dispute for varying reasons. Cash App support has been non-responsive and as such, I am handling these disputes with the CFPB. 

2 transactions are from XXXX XXXX XXXX XXXX. I have their mobile app. Several times now I have ordered in the mobile app ( where it charges as soon as you place the order ), and then when I GOT to the restaurant, it was CLOSED. But I had already been charged and the funds have not been refunded. I have had this same issue with XXXX XXXX XXXX XXXX before, but never have I ever been accused by the store manager of lying and making it all up. That's what happened with I tried to handle it directly with the store where the purchase was made. That process was described to Cash App support in vivid detail. 

They have simply stopped responding to my messages about those refunds. 

The other transaction was for a software purchase I made online. It was made on XX/XX/XXXX at XXXX. I was trying to order a software program called XXXX XXXX XXXX XXXX XXXX ). It was a program that claimed to make the process of mounting XXXX XXXX to a XXXX drive easily. I needed to do this to wipe off an old computer and reinstall the operation system so I could sell it. The purchase was supposed to be for a product key that was supposed to UNLOCK the program from the trial mode to the full version. 

The key I was given DID NOT WORK. I emailed their support and they did NOT respond. So I disputed the transaction with Cash App and this time, they did not respond at all. So for clarity, with the XXXXXXXX XXXX XXXX XXXX purchases, they DID respond, but have since stopped responding and my refunds have not been issued. For the XXXX XXXX XXXX purchase, their support has literally not responded AT ALL despite me initiating the dispute process in-app at least 5 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: M&T BANK CORPORATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX XXXX, XXXX, I visted the M7T Bank Branch located in XXXX PA. after expecting fraudulent charges were made against my account. Initially the bank gave me a provisional credit ; however, on XXXX XXXX, XXXX they reversed the credit. I was supplied with the name of the person who made these charges and immediately filed a police report, and supplied M & T Bank with the protection from abuse order filed on XXXX XXXX, XXXX against the individual and the police report number. M & T will not let me speak to the someone in the fraud department, nor will they refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: Franklin Credit Management Corporation
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I requested mortgage assistance from Franklin Credit Management XXXX XXXX XXXX XXXX, XXXX regarding my defaulted 2nd mortgage and they have not offered my any assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: TX
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 have no knowledge of this account listed as XXXX XXXX XXXX  XXXX I requested information on account ownership from both the credit bureaus directly and received no response. The credit bureaus simply told me they verified the information but never provided me with that information directly when I requested it. I need a signed loan contract or agreement showing I own this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Closed my Wells Fargo account ( # XXXX ) and was told a check would be mailed within 10 business days. Its now been 6 calendar weeks and Wells Fargo support will not reissue the check or provide any information on where my check is.

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 2016-11-03
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am refinancing my home when XXXX mortgage said I was late for XX/XX/XXXX payment, not only that but, said I sent in partial payment. When I have proof of payment from XXXX of the payment sent on XX/XX/XXXX chashed on XX/XX/XXXX by XXXX mortgage. They sent this to the credit bur and refuse to remove it. This is not the only issue I have with XXXX mortgage my escrow account now when I went over to Freedom I had a surplus but now I 'm short. {$1700.00} XXXX said I received from XXXX. that 's a lie. XXXX is my new homeowner insurance company and I sent them some money about {$47.00} dollars which XXXX said I should not have sent. I dont know where XXXX got this from, XXXX even tried to put my home in foreclouse and sent me the papers for hardship. I need to know in writing where my escrow went. Freedom mortgage is the wrose

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 2020-12-30
Company: Experian Information Solutions Inc.
State: IN
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:
On XX/XX/20 I 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 im 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 promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Transunion, and XXXX continue to report inaccurate information on my consumer report. 

The account listed below has several inconsistencies. This means the account has not been properly validated and therefore can not be verified as accurate. 

XXXX XXXX XXXX Account XXXX XXXXXXXX Last Verified : XX/XX/2023 -- Date of Last Activity : XX/XX/2023 XX/XX/2023 Closed Date : XX/XX/2023 -- Account Rating : Closed Paid 15 U.S. Code 1681 - Congressional findings and statement of purpose ( 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. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2023-06-14
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 items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$6300.00} ; XXXX  XXXX Balance : {$6200.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XX/XX/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 2023-08-01
Company: Law Office of Michael J. Scott, PC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I filed a complaint against Scott & Associates and they hired/ moved the account ( for which I have no knowledge of ) to XXXX XXXX XXXX. I called the number in the letter received XX/XX/XXXX and they stated that they knew there was a cease and desist, but I could revoke it verbally. This debt is not mine. I have no knowledge of this debt and I am being harassed by mail. Please assist with making this stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was scammed out if {$510.00} on cashapp. I reported this to cashapp. I asked the scammer for a refund and they denied. I tried contacting the person but the have blocked me on social media. I have no other way of contacting them. I tried filing a claim with cashapp and they denied. I asked if I can file a claim through my bank. I run the risk of cashapp putting my account in the negative. Cashapp policy says they can reverse any charge but when you file a claim they refuse. There is no help on cashapp for people getting scammed and they would allow you to go to your bank with making your account overdrawn. This is the second time Ive complained about this practice. I need help or I need to know who to complain to. There has to be protection for consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: EQUIFAX, INC.
State: AR
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 am writing to express my serious concerns regarding multiple unsuccessful attempts to remove inaccurate items from my credit report. I have attached relevant documentation, including previous dispute letters and supporting evidence, for your reference.

I first contacted Credit Bureaus to dispute the presence of inaccurate items on my credit report. These items includefraud items that are needs to be removed immediately. I provided evidence supporting my claim that these items are indeed inaccurate and should be removed from my credit report.

Despite my repeated attempts, the inaccurate items continue to be listed on my credit report, adversely affecting my creditworthiness. I have made several attempts and unsuccessful attempts to resolve this matter, and I believe that this situation is not only affecting my financial well-being but also causing me undue stress and frustration.

I request that you take immediate action to investigate these inaccurate items and remove them from my credit report. I have enclosed copies of the following documents to assist in your investigation : Any subsequent correspondence between myself and to Credit Bureaus.

I understand that the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of information in their credit report. I request that you fulfill this obligation promptly and fairly.

Please provide me with written confirmation of your investigation 's outcome and actions taken to remove the inaccurate items from my credit report within 30 days from the receipt of this letter. Additionally, I request a free copy of my credit report with the removed inaccurate items once the investigation is completed. Please help me removed these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7300.00} XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$39000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7300.00} XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023.

Company response to consumer: Closed with non-monetary relief