BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-08
Company: EQUIFAX, INC.
State: SC
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 am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$13000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2900.00} XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXXBalance : {$260.00} XXXX XXXX XXXX  ( Original Creditor : XXXX  XXXX XXXX XXXX ) XXXXBalance XXXX {$1100.00} XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX ) XXXXBalance : {$380.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX {$74.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
To Whom It Concerns : Im writing this message because I was the victim of fraud and identity thief. I recently banked with WellsFargo since they bought XXXX. I had multiple checking and saving account with WellsFargo along with a Credit Card. 

I had thousands of dollars in my account which WellsFargo choose to charge me service fees and other fees which they did not have prior authorization. My account XXXX  out and they began to charge my credit card when they did not have prior authorization receive written nor verbal authorization from me to do so. 

I called in many times before to have WellsFargo stop their fraudulent activity but they never did. I got a letter in the mail stating I own them {$710.00} of the which {$300.00} is due and the past due amount is {$240.00} I called them again and I spoke to an agent by the name of XXXX XXXX who listened and then had conference his supervisor by the name of XXXX XXXX. He then had to further transfer me to another department, the executive team. When the agent came on the phone she did not want to properly identify herself, she gave me the name of XXXX I and did not want to give me her full last name which she stated it was against company policy, she ended up giving me her employee ID but when she repeated it the number was inconsistent, but then the other two gentlemen gave me their last names without an issue. I asked XXXX to get someone else on the line since I was not comfortable speaking to someone I who does not identify themselves correctly. XXXX then calls back the executive team. He was able to bring over XXXX but she said that it was against policy to give out her last name and employee ID. 
There were too many inconsistencies when trying to resolved this issue with WellsFargo. 

This has adversely affected me in ways beyond conceivable. 

I'm not able to apply to for a house in the good areas that I need to. 

I am unable to buy the necessary car that I need. 

This has stressed me out thinking of what the other companies would do. 

As of today XX/XX/XXXX  WellsFargo has effected my credit and have taken all the funds in my bank 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 non-monetary relief
Consumer complaint received 2023-09-28
Company: Block, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
This complain pertains to a payment processing platform called square, they accept payments on behalf of small businesses in efforts to make payment processing easier. However, this company is blatantly stealing money from clients, i have processed a payment of {$14000.00}, they very gladly accepted the payment. They did not ask for any information to activate my account, federal law requires payment institutions and banks to collect my identity before accepting any deposits. Case in point, post my payment processing the company claims they need additional information to release the funds, upon submitting the needed, the company nonchalantly claims we do not fit the criteria and they will hold our funds for 90 business days. This is a violation of my rights under 15 U.S. Code 1666c. Customer service rep XXXX for the company that called me from XXXX on XX/XX/XXXX at XXXX refused to connect me to a supervisor to discuss further and asked me to refer to the email sent by the company. The call record can be obtained since they returned a request for call back on my number XXXX. The emails are attached for your reference. The company has not only charged their processing fee from the amount, they closed my account and refused to pay it back until XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: Experian Information Solutions 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 information incorrect

Complaint:
I called the reporting agency ( EXPERIAN ) and tried to get the information corrected on my consumer report and the representative a Ms. XXXX would not help me stating that I am to contact the CFPB if i wanted my consumer report corrected.

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 2022-11-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was alerted in XXXX or XXXX that a XXXX XXXX loan was taken out by an individual XXXX XXXX. XXXX used my information without my consent, and listed me as a co-signer for the private loan. As a XXXX XXXX XXXX  we were told that re-payment of the loan will occur after graduation. I was notified of paying for a loan which was improper and I was then informed that I was the secondary holder for the loan. During this time, XXXX XXXX was the lender. I made the proper steps by filing a report and sending the information to the lender. 
On XX/XX/XXXX, I was notified that the loan payments were late. I spoke with the representative who opened another investigation. On XX/XX/XXXX, my credit score decreased by XXXX points. I was under the impression that XXXX will file a report or investigation, however, it was reported to all XXXX credit bureaus which drastically affected my credit. 
I have filed a complaint with the FTC, previously placed identity fraud of my social to avoid theft in the future.

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 2021-02-09
Company: Monarch Recovery Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I moved back to the US after living XXXX  for 4 years XXXX, and without US health insurance yet. But on XX/XX/XXXX, I had a necessary appointment with my XXXX XXXX XXXX and received a list of prices that would have equated to a XXXX  XXXX dollars, but when the bill came in it was for {$3000.00}. On XX/XX/XXXX, I talked to the office Supervisor, XXXX XXXX, and asked how that was possible when nothing on the pricing they gave me even equated to {$1000.00}, and all I had was an initial consult and XXXX XXXX. The Supervisor apologized and informed me that I had been given the XXXX prices, and their prices had increased significantly in the new year, but she immediately contacted someone named XXXX XXXX and cc 'd me asking if they would please honor the pricing I had been quoted. 

I never heard back from XXXX, and on XX/XX/XXXX I was contacted by billing informing me that I was being sent to collections. I explained the situation, and they told me to email everything I had just said to XXXX to avoid being sent to collections and to have someone contact me about my case. I did this immediately after hanging up the phone, using the original email sent by the medical office 's Supervisor saying they gave me the wrong pricing ; replying all in addition to adding the customer service email. Again, I heard nothing back, and on XX/XX/XXXX, I went back to the office and once again spoke with the office Supervisor. She apologized and assured me that she was going to take care of it. 

In XXXX, I received a call from a collections agency stating that they had my account, again I explained the situation to them, and offered to send them proof. She assured me that that would not be necessary, and she would contact XXXX about the case. Today, I received an account validation letter from IC System debt collectors dated XX/XX/XXXX simply stating that I need to pay them the money.

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 2020-01-28
Company: Associated Collectors, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Over a couple or a few years ago, I did have a medical debt, in which was paid. I had insurance, and i am in fact an XXXX   XXXX  with the State of IL. I spoke with this collection agency Associated Collectors, and they said that this was a mistake ; and that they were going to get this taken care of. They specified this and more all on RECORDING. I have the recording and I am going to use it in court, to sue them. If this is not deleted, i hope this messages gets to them. I will sue with this recording, because they are breaking some sort of laws, there is not doubt in that. 

I have disputed it with the credit bureuas and i have sent a debt validation letter to them directly. Actually two of them. I have included the certified mail receipts to this email, and next, if not deleted, i will file suite with the recording.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
CAPITAL ONE WAS INCONCLUSIVE AND EVASIVE OR NON-RESPONSIVE ON HOW I SHOULD CALCULATE THE TIME I SPENT TRYING TO RESOLVE THE LOSS OF {$11000.00} IN A WIRE FRAUD SCAM THAT TOOK PLACE XX/XX/XXXX. WHEN I FOUND OUT ABOUT THE SCAM XX/XX/XXXX, I CALLED CAP ONE TO ASK IF MY ID WAS STOLEN AND WAS TOLD BY A XXXX THAT IT WAS NOT. SO I CONTINUED TRYING TO FIND MY MONEY, HOW DID THE THEFT OCCUR, WHO WAS RESPONSIBLE. I WAS IN THE STATE OF NC PURCHASING A HOME. THE CONSUMER PROTECTION COMMISSIONER RESPONDED THAT MY MONEY WAS LOST THRU AN EMAIL SCAM. CAPITAL ONE HAD MY EMAIL ADDRESS ON FILE AS WELL AS MY PHONE NUMBER. I HAVE XXXX SUPPORTING DOCUMENTS TO SUBMIT, CAP ONE WANTS TO REIMBURSE ME ONLY {$700.00}. THEIR XXXX 'S HAVE NO ANSWERS TO MY QUESTION OF HOW DID CAP ONE COME UP WITH THAT REDICULOUS NUMBER. I have over XXXX of documents, XXXX folders & over XXXX files I created in 3 years trying to find my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 summited disputes for XXXX and received dispute results XX/XX/XXXX, and I summited for XXXX and received results back on XX/XX/XXXX, Transunion I summited a dispute and got results back on XX/XX/XXXX. This case with company has been going on since XXXX. I have disputed Inaccurate credit Reporting for lates, And also all three credit Bureau have treated my credit reporting unfairness and Inaccurate. My FCRA rights with my financial information has been use against me and has violated my FCRA Rights has a consumer. Just recently for month of XXXX I had a high XXXX and higher credit score and applied to buy home and my score drop 3 times in one month. And then a company put on credit falsely late payment when it was not and reported inaccurate information and drop my score even more all in one month. I feel this is a economy discriminated against me as a consumer and a XXXX XXXX XXXX. I have been fighting since XXXX and moving forward. My XXXX XXXX stayed at low score since XXXX to XXXX didn't move at all due to a company and what they had put on reports.

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 2022-09-08
Company: Experian Information Solutions Inc.
State: OH
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 am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX Balance : {$4600.00} XXXX CO XXXX Balance : {$16000.00}

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
Consumer complaint received 2023-10-26
Company: Nelnet, Inc.
State: AK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
I applied for the SAVE plan on XX/XX/XXXX. The StudentAid website showed that it was processed on XX/XX/XXXX. Several days pass, and I call Nelnet. I have to wait for over two hours before someone answers the phone and says it should take less than 30 days for my application to be approved. It is now XX/XX/XXXX, and I am still not on the SAVE plan. I want to be put on the SAVE plan immediately, or at the very least, an accurate estimated time of when I will be put on the SAVE plan. Nelnet has also failed to send me email updates every ten days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Block, Inc.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My cash app card was locked by cash app supposedly because of two elements 1 ) said to be because of a new device ( cellphone ) noticed 2 ) because of a location area. I moved from XXXX Florida to XXXX  Florida.? I also followed the cash app support instructions and sent them all required documents, my State ID, paper work forms that show my residence with my case managers stamped and signature on the forms, also I verified my new device ( cellphone ) as required by cash app online website. Since the first week of XXXX my cash app card is still locked and after sending all my required documents to the cash app safesend website as they instructed and all marked submitted successfully, all i continue to receive is the same results as of XX/XX/XXXX that case escalations will notify me by my email address when information is available. Also I have many times spoken with cash app phone representatives and informed many of them about the situation including my recent social security payment to me that has been sent back to the sender. I have not received any results from the cash app service representatives other then the repeated reply that the cash app specialist are working hard on the case, since XX/XX/XXXX they repeatedly have been unable to provide me with any results and my cash app card remains locked since XX/XX/XXXX and recently my social security payment was sent back to the social security senders department. I have no income and my cash app card remains locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I was not informed about information of my credit being provided to this company at all I was told I would have one inquiry and I have multiple on the same day for the purchase of one vehicleand I would like this removed I have addressed the Credit bureau and the company and it has not been resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Starting in XXXX of XXXX, my now ex-boyfriend stopped paying on our XXXX XXXX credit card, when we broke up in XX/XX/XXXX he said that he was continuing to pay on the card ( he was not ) in XXXX of XXXX, I received a notice that he had filed bankruptcy and went to dig into the status of this account. 

That is when I discovered that it had not been paid on, as he was the primary account holder, XXXX XXXX/Citi Bank never made an attempt to contact me. 

Once I found out, got account access to the account I was able to make the burdensome payment of {$290.00} a month, since XXXX of XXXX. 

Despite that, I have made no progress on the balance. I am being charged a onerous and abusive interest rate of 26.49 %, on top of overlimit charges and late fees. 

Attempts to contact them to find a resolution have been useless, and so I have no choice but to file a complaint with the CFPB. 

This has caused me to be declined for other loans and financial resources that I otherwise would have qualified for, as my other obligations are met on time.

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