BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-15
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/XXXX, my husband made a check deposited to my business account at the Wells Fargo branch located XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. The check were payable to my business account XXXX XXXX XXXX, while the teller were busy talking to her co-worker, she deposited to the wrong account under the name XXXX XXXX XXXX. By the time my husband get home, he realized it was the wrong account that she deposited, he called and spoke to the branch manager, XXXX, she said she will take care of it. We also told her that we wrote a check to our employee, please make sure this check will not bounce. On XX/XX/XXXX, we were charged for non-sufficient fund and the check wrote to my employee were bounce. This mistake is unacceptable and it does affect my business and my company reputation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-15
Company: Experian Information Solutions Inc.
State: ND
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:
Experian is in violating of the law. Experian is committing identity theft, they do not have my consent to report the account and addresses below. 

Experian is in violation : 15 U.S. Code 1602 - ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

unauthorized use, ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

15 U.S. Code 1643. ( E ) the unauthorized use occurs before the card issuer has been notified that an unauthorized use of the credit card has occurred or may occur as the result of loss, theft, or otherwise. 

I am demanding deletions of the unauthorized account, addresses and inquiries listed below on my experian consumer report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2017-07-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I filed a complaint with The Consumer Financial Protection Bureau XX/XX/XXXX about Equifax having not properly resolved an account named XXXX XXXX XXXX XXXX XXXX Account XXXX, and Equifax replied to myself and to Consumer Financial Protection Bureau that this account was deleted from my credit file. I am attaching the proof to this current complaint. During this time in question Equifax did delete the accoutn from my credit file, but have since improperly reinserted and refuse to remove the account even when I notify them of the improper reinsertion. I have provided Equifax by certified letter and by fax to XXXX and have fax confirmation forms to prove they did in fact receive my complaints of improper reinsertion, however they have refused to comply with the FCRA and remove the improperly reinserted item. They have and continue to violate the FCRA by not only having improperly reinserted this item, but by continuing to act upon my demands to delete permanently the previously investigated and deleted item. Equifax did not follow the FCRA by notifying me that they intended to reinsert this item EVER. When I have spoken to the XXXX XXXX in their XXXX XXXX XXXX and made her aware of this matter she has done nothing about it. She told me to fax her the proof of reinsertion to her and the account would be removed but this has no happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Over the past several years the interest rate has continues to even though i have made payments and have good credit, the interest rate is always fluctuating and increasing ; it never decreases. I took this loan out over 10 years ago and still have barely been able to make a dent in it. Also I have not been able to get any forbearances of deferments because they only allow so many in the entirety of the loan. I am a single mother of XXXX, I have never been able to utilize the degree that I obtain when I went to school as the economy way very bad when I graduated still. I am also on XXXX at this time and on a fixed income and the company doesn't want to willingly work with me on lowering my monthly payments so that they are affordable without the interest rate going sky high.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: Pendrick Capital Partners Holding, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, In XXXX ( XXXX ) XXXX Dear XXXX XXXX XXXX XXXX I amrespondingtoyourcontactaboutadebtyou aretryingtocollect. 
I recently received a mail dated XXXX/XXXX/2017 from XXXX XXXX XXXX XXXX to collect a debt in the amount of {$180.00} that just appeared on my credit report on XXXX/XXXX/17 which has grossly lowered my credit score. the information provided in the letter is grossly inaccurate. I do not know the nature of this collection nor am I aware of any unpaid bills from XXXX XXXX XXXX XXXX. I have medical insurance and always pay any copays.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
To Whom It May Concern : My American Express credit card account statement ending in XXXX shows a payment, a balance of XXXX, that should have not been made. I am writing to tell you that the payments were unauthorized charges. Therefore, I am filing a complaint with the Consumer Financial Protection Bureau against American Express. Specifically, I authorized debits to a cosmetics company in Hawaii by the name of XXXX, in error, and under duress on XX/XX/2022, but revoked the authorization on XX/XX/2022. Immediately after I received the " product '' and realized that the company was charging me for unauthorized charges I sent the unopened product back via XXXX XXXX. I asked American Express to close my account and not accept any new charges. I paid the undisputed charges and no longer have any outstanding balances. Despite the fact that I have been a long-time customer with XXXX XXXX XXXXXXXX they refuse to support me in my position and are unfairly charging me these bogus and egregious amounts. The charges are in error because the items were refused, the company XXXX employed deceptive practices when I was " sold '' these items. I can provide XXXX  XXXX Proof of Delivery, tracking information, documentation of shipment with delivery dates, and copies of reviews from many customers showing they were defrauded with similar incidences as my situation. Furthermore, according to the Hawaii Unfair Deceptive Trade Practices Act, this is fraud. XXXX misinformed me about the product which was returned and the way the situation was dealt with was egregious. They pulled the wool over my eyes and did not inform me what I was signing. Their representative pulled me in off the street and delivered a high-pressure sales pitch. This is not buyers remorse, it is fraud. According to the attached reviews on XXXX and XXXX XXXX XXXX, this company has a pattern of deception and has scammed many other customers in a similar fashion. If the packages were returned to them unopened and I do not have the product, I do not see why XXXX, and American Express are charging me for a " product '' that I don't have. I am filing this complaint and requesting that the error be corrected with the credit card companies and that any finance charges will be waived. I will await confirmation that you will be reversing these unfair charges. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-26
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have a best buy credit card. In XX/XX/XXXX i went to a best buy store in XXXX New York to buy a phone i got a phone for XXXX plus fee =XXXX i was told i need to spend over 400 dollar to get 12 months no interest. After two day the cell phone stop working ( the phone screen went blank ) i called the store. I was told to turn the cell phone off ten wait a few minutes to turn the phone back on. A few days later i had the same problem, i tries to return the cell phone and the store would not take it back. I called the credit card company and nothing was done. I open dispute with the credit card company three times and nothing has been done about this matter. Today i spoke to a customer service worker at best buy and i was told to call the company that made the phone. I did and i was told there is nothing they can do. I would appreciate your help, i had this cell phone for less than one week, i do not think i should be responsible to pay for this item. The store had 15 days grace period to return the phone, and i tried to return the phone before the 15 days and yet the credit card company do not want to refund the XXXX back to my account. I am currently in company, and i do not have that money. Thank you for your time and understanding.

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 2021-10-11
Company: World Acceptance Corporation
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This account was opened in XX/XX/2014, it has been closed. They have switched the account to another internal account with a different account number lied about me making payments I never made to keep it active while also toying with my credit nonstop, one month they change the payment history the next month its changed again.

They have charged off the account and now all of a sudden they are also trying to put it in collections because its coming up on seven years. I have no collections on my credit and I will not stand for it Im trying to build my credit to buy a home and this corporation is doing nothing but trying to hold me down on every level on every turn. The information is incorrect they have blatantly lied over and over it must stop. I have all the records to prove this. This is beyond bad business practice this is downright lying on there part. How Can anyone get ahead in life when I have to deal with corporations like this Im just one person but I will not give in and I will prove to whoever I need to they have lied and lied and lied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, incomplete, and unverifiable information. Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have submitted numerous disputes with all three major credit reporting agency about XXXX XXXX XXXX. Back in XX/XX/2019, I lost my card and reported it. So instead of XXXX XXXX XXXX  just giving me a new card and combining the data on the credit reports. They choose to enter the information as if this new card was a new account and that account had late payments when in fact there were never late payments on that card or for the dates stated. In addition, the account was close by me shortly after.

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 2021-04-15
Company: National Credit Adjusters, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company is attempting to collect a debt that is not legally mine. I have no knowledge of this company and have never done business with them, nor signed any contract. Previous written request to validate debt have been unsuccessful and they refuse to provide information of original creditor, per FDCPA regulations. I demand this collection company is removed from my personal credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have contacted Transunion on several occasions regarding two accounts still reporting on my credit report. These accounts are being reported by Transunion only. Transunion has provided me no verification or evidence to support the validity of these accounts and has ignored my request to have them deleted from my credit file. 

My most recent and " Final '' letter was sent on XX/XX/2020, and I have not received a response or indication that these items have been deleted. Transunion is violating my consumer rights as well as Federal Law by failing to provide any evidence that the information they are reporting is valid and accurate, and by not complying with my request to delete the erroneous 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 2019-06-14
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There is a consumer statement on my Equifax report regarding XXXX XXXX. 

I have never made such a statement and have no idea where it came from. 

Ive tried multiple times both online and over the phone to have it removed. It has been removed by Equifax once, but somehow it has reappeared on my credit report again. 

Im requesting that this consumer statement gets removed permanently. I do not wish to have a consumer statement on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-15
Company: Green & Sons Agency, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A few weeks ago I received a summons from Outsource Receivables Management, a company I 've never head of. I tried contacting them but they never returned any of my calls. After doing some research I found they were trying to collect for XXXX XXXX Clinic. I contacted them directly and made a verbal agreement to make payments directly to them ( which I have been doing ) On XXXX XXXX, 2017 I received a notice of judgment for $ 1600+ from Outsource Receivables Management. My biggest complaint is that I never received any notice of collections from this company. This is not a legal practice. And I have made arrangements from with the original debtor and have paid half of the original balance of {$960.00} down to {$480.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX of XXXX XX/XX/2020 XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX XXXX XXXXDate of Inquiry XXXX XXXX XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXXXXXX XX/XX/XXXX-Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: Risecredit, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
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 ( On behalf of XXXX  XXXX XXXX XXXX  , XXXX XXXX XXXX  Acct # : XXXX ) To Whom It May Concern : This letter is in regard to reference number : NCB File # : XXXX account number : XXXX, which you claim I owe {$5200.00} to XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. This is a formal letter that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collections Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note I am requesting validation, that is competent evidence bearing my signature, showing that I have or had some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA and FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( Including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( Including but not limited to Section 623-b ) Please Note : This is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only and is not a statement, election or waiver of status. 

I contacted this company by certified mail on XX/XX/2019 and I have not received any credible response showing my signature on any documents showing where I owe this debt. This company has filed a collection report with all three credit bureaus without validating my signature. Please force this company to validate my signature that I owe this debt. If they don't respond in 30 days, please make them remove all collection notices with all three credit bureaus.

Company response to consumer: Closed with explanation