BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-07
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, BRCLYSBANKDE XXXX Date Opened : XX/XX/2019 Balance : {$2700.00}

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 explanation
Consumer complaint received 2021-07-16
Company: OneMain Finance Corporation
State: MS
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
OneMain Financial XXXX being represented by XXXX, XXXX and XXXX provided a written settlement agreement for debt owed. I signed the agreement and paid the settlement amount. However, XXXX, XXXX, and XXXX began garnishing my wages, although we made a settlement agreement of payment in full. An agent of the company spoke with my attorney and misrepresented himself as an attorney. He stated that I would be reimbursed for the wage garnishments. However, I have not received any type of reimbursement, and my wages are continuing to be garnished. XXXX, XXXX and XXXX will not speak with me or my attorney about this matter and continue to garnish my wages even though we had a settlement agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act, the listing of accounts below have violated my federal protected consumer rights to privacy and confidentiality un 15 U.S.C 1681 : 1 ) XXXX XXXX XXXX  ( XXXX ), account # XXXX XXXX XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX account # XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX ) XXXX XXXX  XXXX  XXXX, account # XXXX. 
XXXX ) XXXX account- I am not liable for a debt with XXXX. I do not have a contract with XXXX XXXX XXXX. 

15 U.S.C 1681 section 602 A states ; I have a right to privacy. 15 U.S.C 1681 section 602 A Section 2 states ; a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states ; no consumer reporting agency may make any consumer report containing any of the following items of information - Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
On XX/XX/22 I contacted Equifax concerning the credit files sent to me on XX/XX/22 by Mail from equixfax. Confirmation # XXXX. I have found inaccurate information pertaining to Personal Identification Information inside Equifax Database System which is a violation. On the credit file the date of birth is inaccurate showing XX/XX/1899. The Name is Spelled XXXX XXXX Which is a error. The correct spelling of my name is " XXXX XXXX ''. This is a business Tort, breach of trust, affecting my credit, and misrepresentation. Violation of 15USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
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: Investigation took more than 30 days

Complaint:
I have reached out to Equifax Inc., XXXX XXXX, and XXXX requesting information in which I have yet to receive a response. All are in violation of my rights as a federally protected consumer. I have been taken advantage of due to malpractice while several laws were being broken under the FCRA. This has caused me financial injury, as well as defamation of character. I have not had the ability to attain new employment, apply for credit, nor have I been able to apply for a XXXX loan due to the pandemic. Under this crisis you've hurt my ability to attain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: EQUIFAX, INC.
State: VA
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:
The following inquiries were unauthorized and I submitted an initial complaint for. With XXXX, I only had three accounts. 

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX The follow inquiries were unauthorized and is a new complaint. 

XX/XX/2020 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$8400.00} XXXX XXXX Balance : {$1800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2300.00} 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 XXXX XXXX XXXX XXXX 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 2023-04-25
Company: Experian Information Solutions Inc.
State: MI
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-01-05
Company: Early Warning Services, LLC
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:
On XX/XX/2016 aXX/XX/XXXXXXXX XXXX account was opened without my consent. This account is currently reporting on a consumer report with no outstanding balance. This account also has a phone number and address I am not associated to. The account number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Credit bureau did not report my payment on my credit report for month of XXXX & XXXX. 
The credit bureau reported that I missed payment for the month of XXXX for my XXXX XXXX credit card which is inaccurate XXXX XXXX credit cards payment is paid. XXXX  payment is paid. Department XXXX payment is paid. XXXXXXXX XXXX XXXX XXXX is paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: Block, Inc.
State: NV
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:
Square point of sales illegally withheld funds from my company and refused to correct issue after I verified for the debit card and all accounts nor had a dispute or fraud and lied while avoiding the issue I was forced to refund the money and are refusing to deactivate account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I purchased an airline ticket from XXXX on XXXX. 
After making the purchase, the hold was placed on the account for {$530.00}, the purchase posted to the account on XX/XX/22 and today XX/XX/22 Citizens bank still have the item on hold and told me they won't help me. 

I spoke with a supervisor XXXX who was rude and had a nasty attitude. She stated that she is not going to assist me. 
With the additional hold on the account Citizens bank refused to help with so that they can charge me overdraft fees. 

I reached out to the agent via chat and also via phone and neither of the agents assisted me, instead I was told that they will not release the hold from the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: NJ
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:
I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-11
Company: eCon Credit LP
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: Account status incorrect

Complaint:
Nationwide Acceptance, dba XXXX XXXX, is reporting a late payment in XX/XX/2019 but the balance was paid in full on XX/XX/19.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
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: Personal information incorrect

Complaint:
I am filing this complaint because the Credit Reporting agencies are inaccurately reporting outdated and or wrong information on my credit profile. I have mailed to the agencies my correct and accurate personal info to be displayed on my credit profiles. I will attach the letters I sent to each bureau. Please erase and remove ALL OUTDATED AND INCORRECT personal information from my credit and update with the correct information. I will have attached the info that should be updated.

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 2019-12-13
Company: WELLS FARGO & COMPANY
State: NY
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 was told when i signed up for their overdraft program that i was allowed one reversal on an overdraft fee. 

When i tried to claim it, they would not let me. 

There where two overdraft fees in the same day one was an error ( on their part ) and the other was a legitimate overdraft fee that i should have been able to reverse based on the one time reversal they told me about when i signed up for the program. 

First someone in wells fargo customer service told me they could do a partial refund of the overdraft fee for {$26.00}. The full fee is {$35.00}. A partial refund is unacceptable to me because they promised me a one time full refund on an overdraft fee. Then I started talking to someone named XXXX in their executive office, he would not refund the full fee either, and he actually offered me less than the XXXX bucks the last person i spoke to offered me ... I think he offered to partially refund me {$17.00}. I let him know my girl friend banks with Wells Fargo and never has this problem, if she has an overdraft fee, they reverse it no problem. The only difference i have a XXXX name. 

According to wiseage.org wells fargo bought in more than XXXX XXXX dollars in overdraft fees in XX/XX/2018. 

Its holiday time and they are taking advantage of their more financially challenged customers ...

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 2019-09-11
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX # XXXX is reporting a foreclosure I no longer owe. This is past the statute in WA and I do not legally owe the debt anymore and this account should be removed off of my credit.

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 2023-11-06
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Please remove XXXX XXXX XXXX from all credit bureus. This was placed on my credit reports incorrectly. THE ACCOUNT DOES NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We chose deferred payments for XXXX relief. Wells Fargo has added all of the deferred payments ( principal and interest ) to the balance.

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 2023-02-07
Company: CCS Financial Services, 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've been with XXXX since XX/XX/XXXX and never had any real problems in XXXX I started noticing a lot of billing errors, For example i'd set up a payment arrangement with an agent to pay on a certain day so my services don't get suspended and the very next day the automated system suspends my service and when I call to speak with them about it, they can see the notes, apologize and turn my service back on, but a bill would come out later with re-connect fee 's that shouldn't be there because my services were not supposed to be disconnected. It's been PLENTY of times this has happened and a lot of times I missed and they are not transparent with the billing. 

My credit is reporting XXXX with the Billing, on a Recent update this morning after a dispute they updated XXXX account from {$730.00} to {$1700.00} by adding XXXX. 

My question to them is if you've been reporting {$730.00} for months how did you all of a sudden determine XXXX owed you XXXX more? 

Also I contacted ( CREDIT COLLECTION SERVICE ) about it XXXX and asked for a list of the serial numbers of the items they are trying to collect on and either send by letter or email and they told me they couldn't. 

My reason for request was because I noticed items she was asking for were different than the items on my last bill and the serial numbers didn't match, Which it seems like they were trying to pad the balance for more of a collection and a bigger hit on my credit. 

I contacted XXXX directly this morning about the bill not matching what they sent to the collection company and they gave me a {$210.00} credit. but that's still not enough for the incorrect reporting and XXXX practices.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: FORD MOTOR CREDIT CO.
State: WI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
lincoln fs debt collector harrass and threatened for payment. i stated, im in a hard ship because of covid and high inflation, that took away my buying power. do not threaten me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: Duvera Billing Services, LLC
State: WI
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:
XX/XX/XXXX I was hospitalized with XXXX I was in the hospital for some time. Once I got out the hospital I had contacted EasyPay Finance I asked to speak to a manager and I was transferred to XXXX XXXX I tried to explain to him that I was in the hospital and when I got out I had an alert from my credit bureaus I had a negative account I tried to explain to XXXX that I had set up my account for automatic payments, he replied with a negative comment about people want to complain when they don't pay their bills. I explained that their company had made an error and I ask that they clear. He said no it was in collections and it was not the companied fault and it had to be paid in full. I asked to speak to higher supervisor he said he was the only one. XXXX was extremely rude and did not care to hear what I was trying to explain to him. He said the only way they remove the negative remark was if I paid it in full then they would have the tradeline deleted. On XX/XX/XXXX, I paid the account in full and received a letter stated the negative reporting would be removed in 4 weeks. I have emailed them multiple times and they have not responded or removed the tradeline. My credit was damage due to the negligence and continues to be on my credit and it has been XXXX  months and XXXX  day the account was paid and the tradeline is still on my report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation