BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
State: MD
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  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: SYNCHRONY FINANCIAL
State: NJ
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:
HAVE NOT USED MY PAY PAYPAL CREDIT CARD IN YEARS BUT SAW A BALANCE OF {$260.00} IN MY XX/XX/2022 XXXX CALLED PAYPAL TO COMPLAIN ABOUT THE UNAUTHORZED CHARGES ON MY ACCOUNT IN XX/XX/XXXX. CUSTOMER SERVICE ASSURED I DONOT HAVE TO PAY AND THAT THEY WILL CREDIT MY ACT FULLY AND INVESTIGATE. THEY DID NIETHER AND I STILL SEE BALANCE IN MY ACT. 
PLEASE HELP CREDIT MY ACCT AND CLOSE IT FOREVER.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I started getting a lot of overdraft fees and they closed me out

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 2023-07-28
Company: Self Financial Inc.
State: WA
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:
On XX/XX/2023 a {$9.00} transaction fee was made by XXXX XXXX ( now XXXX. ) from my XXXX checking account. On XX/XX/2023, another transaction of {$3100.00} was made again by Self lender withdrawing from my same XXXX checking account. I have never had any contact with the company nor have I ever heard of the company until my checking account was compromised by Self lender ( also known as XXXX ). My bank- XXXX- was able to do a reversal on earlier withdrawals made from my checking and savings account but I was told by XXXX they can not go more than 60 days into a reversal per federal law, and the XXXX and XXXX transactions were made after the first withdrawal that occurred at the end of XXXX. 
I have called and emailed XXXX. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I only get a standard form letters stating they are unable to give me the money back that they took out of my account without approval or authorization. I have included my e-mail as well as their response below. You will see my latest letter to Self. and their standard reply I was given each time I emailed them. 

Hello, I have enclosed XXXX documents from my bank, XXXX. They explained that it is federal law that they can not credit back the {$3100.00} + {$9.00} transaction fee because of the 60 day restriction that I believe XXXX must be aware of since they are in the business of lending money. It is your responsibility to refund me the money Self stole out of my account without doing proper transaction handling with the person my money was given to. 
I am giving you a chance to reimburse my account with the money fraudulently taken from me. My account number is -- -- -- -- --. I was advised that Self. is quite able to reimburse my account especially since the irresponsibility came from your end. If Self. still will not reimburse my account please put me in touch with someone that has more capability to do so or I will be forced to report Self. CFPB and the U.S. Dept. of Treasury, Federal Trade Commission and whomever else I must to get my money back. The lack of quick response on your part has put me in a financial crisis. 
-- -- -- -- -- -- -- -- -- XXXX, Thank you for getting in touch. 

If you are reaching out to let us know there are possible fraudulent transactions listed on your bank account, please work with your bank directly to dispute any payments as unauthorized as we are unable to facilitate the returns on our end. Your bank will issue a refund in the form of a chargeback. Your bank will also need to take steps to secure your bank account as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Radius Global Solutions LLC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They kept sending emails and I called the number. They asked for date of birth. I told them that I closed that account many years ago. It was with XXXX XXXX. They are claiming they are debt collector through XXXX I gave them the account number listed and they kept asking for date of birth to move forward. Then when I gave it to them they did not respond. 
Before calling the number, I checked online to verify if the company is a collection agency and it said it was. That is why I spoke with them to tell them that their information is wrong. 

I have attached below what was included in the email and need to report them as scammers. 


Important This is a communication from a debt collector. This is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose. 

Click UNSUBSCRIBE below to unsubscribe from collections emails from Radius on your account ( s ) noted above. 


Thank you, Radius Global Solutions LLC Phone : ( XXXX ) XXXX Office Hours : XXXX - XXXX Mon-Thu ( XXXX ) Office Hours : XXXX - XXXX Fri ( XXXX ) Office Hours : XXXX - XXXX Sat ( 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 2023-01-26
Company: EQUIFAX, INC.
State: NC
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 is XXXX XXXX and this CFPB Complaint is a follow up to the recent CFPB Complaint I submitted requesting the removal of the disputed accounts and information from my Credit File which resulted due to my identity being stolen. I have read that under the Fair Credit Reporting Act section 605b, you are expected to remove any accounts and information that resulted due to identity theft. I sent you dispute letters with complete attachments of my personal information as well as the ID THEFT REPORT I received form the FTC last XX/XX/2023, and yet to receive a response. In accordance with the Federal law, I need you to have the disputed accounts removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : {$8500.00}. If you believe that the disputed accounts are accurate and belongs to me, I need you to send me any documents supporting your claims. If you can not provide me with such documents, I expect you to immediately remove the disputed accounts from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: WELLS FARGO & COMPANY
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX around XXXXXXXX XXXX. I received a call from XXXX Wells Fargo about " fraudulent '' activity on my account. The person identified them self as XXXX XXXX employee number XXXX. XXXX " scammer '' reviewed 15 transactions as various locations/vendors in Texas. I confirmed I did not have a transactions matching the described activity. XXXX than confirmed a recent deposit in my personal account shared with my mother. They gave the amount and who the deposit was from Social Security. They said the had identified the perpetrator as a XXXX XXXX XXXX. They asked if I wanted to press charges and I said absolutely yes. He, XXXX said my accounts would be frozen and or closed for pending investigation. On XX/XX/XXXX I logged into my XXXX account and saw many transactions and became very suspicious. The same person and number called back around the same time of day. He said he was calling to give me my new account number. New Account # XXXX. I then said I wanted to call back the number to verify his information. He agreed. I called the same number and reached a Wells Fargo representative who I believe identified herself as XXXX. XXXX asked XXXX for his XXXX number (? ) he gave her XXXX. She said she could not verify him. I said okay I will go to a branch to verify. He stayed on the line while I was driving and then as I entered the bank dropped the line. I was informed at the branch that I had multiple cash advance attempts on my personal credit card that had been declined and a cash advance on over XXXX on my business account as well as two wire transfers one from each account both for XXXX. The first wire was to XXXX XXXX to XXXX XXXX XXXX from my business account and the second was from my personal account to XXXX XXXX XXXXXXXX for XXXX XXXX XXXX. I contacted my financial advisor who helped me contact the fraud department to open a case for all of the activity.

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 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I try to fix this problem with them about the hard inquiries the I didnt do even with the other inquiries but I didnt get the results

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 2020-09-23
Company: WELLS FARGO & COMPANY
State: WI
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX car accident XXXX received wells Fargo payment invoice XXXX filed GAP insurance claim XXXX received wells Fargo payment invoice XXXX Insurance pending XXXX Wells Fargo balance due letter XXXX I called to see if payment was received from GAP NO Further Contact No Calls No letters, no collections XXXX Received Debt Charge off XXXX Disputed with Credit Bureau ( requested Validity of Debt ) XXXX Disputed denied XXXX Disputed With Wellsfargo & Credit Bureau XXXX denied I have requested : any Proof of payments received and copies of any letters attempting to collect a debt. FDCPA was not followed I did not receive Fair chance to pay debt prior to it being charged off.

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 2023-03-10
Company: Advance America, Cash Advance Centers, Inc.
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I took out a Signature loan with Advance America in XXXX Nevada and I was paying my payments on time and then the website for this company went down for 7 days approximately. At that time I couldn't make my payment because the website was down. After it was back up I received an email that apologized and said they would work with people on this issue and not charge fee 's and things like that. I told them that the missed payment can be added on to the end of my loan ( I have made every single payment on time except for when the site went down ). Well I have been called and emailed every day about the missed {$100.00} payment and I keep telling them I can pay only the {$100.00} twice per month and now they are telling me I owe the whole loan! I am being harrassed and it isn't really my fault. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed this entry on my account with Experian bureaus as well as with XXXX XXXX. XXXX XXXX placed this erroneous, inaccurate entry on my credit report without providing a dunning letter or any sufficient documentation that would have informed of their intent to collect this alleged debt. The response I received from the bureau stated the account entry was verified ; however, I immediately sent XXXX XXXX ( see attached letter ). XXXX XXXX did not pick up the letter ( see attached letter ) that was returned to me undeliverable although the address I sent was the address listed on my credit report. How then was Experian able to verify that the information was verified? 

By not providing the dunning letter as required by law and not picking up the dispute that was sent, XXXX is in violation of my consumer rights. In my letter that I provided to dispute the validity of their account entry I specifically requested : *An agreement that states their authority to collect on this alleged debt *Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor *Alleged account number *Date this alleged debt became payable *Original delinquency date *Verification that this debt was assigned or sold to collector *Complete accounting of alleged debt *Name and address of the bonding agent for collection agency in case legal action becomes necessary No correspondence was provided. This entry should be DELETED 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 explanation
Consumer complaint received 2020-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX hereby attaches a copy of a collection letter I received from XXXX XXXX XXXX. I will agree in lieu of filing any protest against the collection to pay a reasonable settlement immediately, as long as it's in the area of {$350.00}. I will need this letter of settlement sent to my email address, and a contact number to call in the settlement amount, or an address where to mail it by XXXX XXXX. Thank you for the opportunity to negotiate this matter. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Electronic payment was made to credit card account on XX/XX/2020. On XX/XX/XXXX, I requested that the funds be applied to raise available credit limit. XXXX XXXX refused citing large payment ( under {$5500.00} ) and new account ( under 30 days ) stating a 10 day " float '' was policy. I requested a more complete explanation of the process involved in the alleged " while we wait for the ( electronic ) payment to clear with the other institution. '' I also questioned the applicability of 12 FCR 229.13 ( 1 ) vs the applied 10 day " float. '' The second reply ignored the request for a more complete explanation of the payment clearance process and simply stated " it typically takes 5-7 business days for payments to fully clear the other institution. '' The credit union also ignored my request of how funds availability mandated under 12 FCR 229.13 ( 1 ) applies to the electronic payment.

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 2020-01-21
Company: Experian Information Solutions Inc.
State: WY
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 ; Experian and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX and that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2018-03-09
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
CARRINGTON MORTGAGE is constantly changing my regular monthly payments one minute {$490.00} is due then its INFLATED to {$830.00} and on the internet only {$270.00} is due I pay {$640.00} and for the month of XXXX {$150.00} is due then I receive {$700.00} is due with a past due of {$150.00} how can {$150.00} be overdue when only {$270.00} was due and I paid WELL OVER {$270.00}? They never addressed my 1st complaint about lawyer fees that was added to my account AFTER we closed nothing in the contracts mentioned about attorney fees CARRINGTON MORTGAGE IS A TERRIBLE COMPANY I have NEVER SEEN A MORTGAGE COMPANY that constantly change payments for their customers CARRINGTON MORTGAGE COMPANY IS CURRENTLY UNDER INVESTIGATION WITH THE CFPB I BEG THAT THIS COMPLAINT BE ADDED TOO MY TRIAL PAYMENTS WERE NOT applied to the loan my escrow is only {$1900.00} from my math over {$3000.00} has gone to the escrow and they are still collecting My hard earned money is being EXTORTED BY CARRINGTON MORTGAGE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: EQUIFAX, INC.
State: TX
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:
Equifax claims to have verified a medical debt claim against me and the information is not right. The date and time of event I was out of state and had no medical needs. I filed dispute but they claim it is accurate. Not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: CITIBANK, N.A.
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:
FROM XXXX XXXX > XXXX : 2 HARD CREDIT CHECKS I DID NOT AUTHORIZE FORM BANKS I DONT USE! 

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
Consumer complaint received 2023-01-31
Company: Experian Information Solutions Inc.
State: PA
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:
Disputed late payments multiple times regarding XXXX XXXX XXXX Demanded proof of investigation because the late payments were in fact never late and it is being reported inaccurately after multiple disputes and chances to resolve this issue. 

In addition this account was furnished without my consent ( 15 usc 1681b ) and I demand either a correction of the late payment OR DELETION of entire 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 2020-09-10
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
Today XX/XX/2020 I received notice from cfpb that the company reponded and to provide feedback on there response. I had submitted a complaint about XXXX XXXX XXXX XXXX removing 4 positive in good standing/paid loans off my credit reports. I received a letter last month from XXXX XXXX XXXX XXXX XXXX that they will delete the delinquent loan ( which was outdated and incorrect anyway ) off my credit reports and re-instate the 4 positive loans ( satisfied ) back onto the credit reports. They still have not put these 4 satisfactory loans back onto my credit reports. They did delete the one showing delinquent but not the postive ones. This is affecting my credit score. The letter from XXXX XXXX was advising me they would take care of this.

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