BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-07
Company: Experian Information Solutions Inc.
State: TN
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2022-12-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I did a {$2500.00} transaction with my PayPal credit card in XX/XX/2021. I selected to send money to a merchant using my XXXX credit which has a 6 months no interest program added to it. PayPal credit charged me a fee of {$72.00} to send the funds to the merchant. PayPal credit also decided to change the code of the transaction to a cash advance ( which according to their employees I spoke today does not exist under PayPal credit ). They never disclosed any of this information to me until I contacted them today XX/XX/2021 when I noticed they removed the deferred interest and falsely coded my transaction so they could collect hundreds of dollars in interest without me being notified. The young lady I spoke to said she submitted a request for the code to be changed to the 6 months deferred interest but that could take 2 to 3 billing cycles which means PayPal would be collecting interest monthly until they decide to change the code to what it should have been originally. PayPal credit is not transparent and they are collecting interest fees from consumers by using duplicitous practices. Please I would like PayPal to stop cheating the consumers and I need them to apply the correct code to this transaction immediately and not charged me any additional interest until after the 6 months period which is what I agreed to with them. It is unfair to change the rules after the consumer has already been charged and it is deceptive to not notify the consumer of changes done to terms of a promotion they were promised.

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 2018-03-02
Company: Gatestone & Co. International Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Gatestone has been calling me repeatedly starting on XX/XX/2018. They were calling 2 to 4 times a day from different numbers. They were also calling my XXXX year old daughters phone. I called them to find out what it was about, was told it was an XXXX XXXX XXXX bill. I asked them to send me a paperbill, they said they had although I have not seen anything from this company. They refused to send me a paper bill and informed me if I hadn't received their letter it was my problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-20
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited {$210.00} cash in the ATM at the US Bank XXXX branch in XXXX XXXX. The machine had an error and was unable to process my deposit and printed an error receipt. Calling customer service and the branch was useless. The branch would redirect me to the XXXX ( XXXX ) which would tell me to call the branch. They are telling me 10 business days until I can access my funds. How can they take my money? I am overdrafted and bills are now past due. I 'm being charged late fees from my creditors and this negatively affects my credit score.

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 2021-08-09
Company: Netspend Corporation
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/2021 my card was hacked. My lender is netspend/XXXX. I attempted to make numerous dispute regarding my money being taken out of my checking account. They canceled my first card on XXXX the XXXX and sent a new one. That same day, we filled the first dispute. They took over XXXX of my money on international purchases not authorized by me. I made 3 disputes regarding the online purchases and they wouldn't give me my money back. The told me I would receive one payment on XX/XX/XXXX. The next payment was XX/XX/XXXX. My last payment with all my money was suppose to come today XX/XX/XXXX. I called to check if I received anything and I did not. I asked them about it and it was never filled. Now I'm filling this complaint in order to get the help I need. If you can follow up with me please contact me at XXXX or email me at 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 explanation
Consumer complaint received 2020-12-07
Company: CITIBANK, N.A.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was hired for a remote position through a company that I know now didnt exist. I was sent a check in the mail for a sum of money and told to deposit it and use it to purchase the equipment needed for the position. The check did not go through and so I contacted the woman who hired me. I never heard back. Today XXXX/XXXX/2020 was supposed to be my start date. I texted and emailed the hiring manager who I know now doesnt exist and asked when and how I was to start. She said since the check didnt go through I need to purchase the equipment through her and I will be reimbursed. She had me send her XXXX dollars for the software I would need. She then asked what kind of computer I have. I told her an XXXX and she said I need a XXXX  and it was required by the company so to XXXX another XXXX that I would be reimbursed for. After that happened I never heard back. I contacted XXXX  XXXX  corporate who said this position never existed and the womans name I gave them does in fact work there but someone else has been using her name to scam people Of money and to contact my bank. I contacted my back to try and get my XXXX back and they submitted a claim to the receiving bank of CitiBank and said they would try their best but there were no guarantees I could get the money back but that I could have answers in 10-45 days. I explained it was my entire savings for my move which is happening in 3 weeks. Im moving out of the state and need the money for my move. They said they would keep me updated on the claim.

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 2023-05-29
Company: Sezzle Inc.
State: CA
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 XXXX XXXX XXXX XXXX XXXX XXXX CA,XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXXXXXX ) has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy. 

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

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/2022, to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : {$600.00} ; 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 2018-05-17
Company: Experian Information Solutions Inc.
State: GA
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 have two hard inquiries on my Experian credit report from the company " XXXX XXXX XXXX ''. The first on XX/XX/XXXX and the second on XX/XX/XXXX. 

I never signed any documents, nor did I verbally authorize these inquiries. 

My contract with them that started XX/XX/XXXX and ended XX/XX/XXXX. They illegally hard checked my credit twice without any form of communication with me. 

They have wrongfully, without permission and without a proper purpose accessed my credit report.

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 2022-12-23
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is no longer legally my debt. Also this was a debt from 2016 JUST reported which they have 180 days. It shows 2 months which is a lie. This was bound over to my ex in the court documents that this was stolen and NO LONGER MY DEBT. I am not to be held responsible as court signed documents state.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: EQUIFAX, 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: SLM CORPORATION
State: GA
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:
In XX/XX/XXXX, I needed a loan to enroll in XXXX University 's XXXX XXXX. Because I was a XXXX  student, I could not receive a loan from the federal government. So, I had to apply for a private loan. I was in a desperate situation. I needed financial aid in order to start classes. Sallie Mae approved me for a loan of {$25000.00} at 10.500 %, out of this amount I ONLY used {$6400.00}. Currently my balance is {$7200.00}. I have tried to re-negoiate this loan to lower the interest rate, and Sallie Mae refuses to allow me this option. In addition, they will not allow me to apply for a forebearance or any type of payment deferment. The interest on this loan is too high, and unfair to me especially when we're in a pandemic and lenders are providing customers with loan deferments or refi options, and I'm not working. My first payment on this loans is in XXXX. This loan won't be paid off until XX/XX/XXXX. I believe Sallie Mae is an unfair lender and using their power to unjustly take advantage of struggling students.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
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: Information belongs to someone else

Complaint:
I have Unauthorized accounts & inquiries on my Credit report. According to the Fair Credit Reporting Act, you are required by federal law to verify Any Unauthorized items on my report must be removed if not % 100 accurate & Verifiable. Please Remove this From my report I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX spouse name is wrong XXXX XXXX XXXX XXXX XXXX XXXX  another XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ftc violatiion data brach cause the inaccurate information on my credit filed FTC violation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft. I called Experion on XX/XX/2018 to have the inquiries as a result of identity theft removed from my report, as their website instructs. Their representative explained to me that the inquiries can not be removed by Experion, but only by the bank they originated from. When I objected to what seemed to be in error of Experion 's stated policy, their representative, whose name he gave as " XXXX  '' said to me " Look, I'm explaining to you what our policy is, if you don't like it, I can't help it. Thank you and have a nice day '', and hung up. 

I also utilize Experion 's {$20.00} per month credit protection. I do not feel that the way this call was handled was in any way professional or in a respectful manner.

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 2020-11-02
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: Investigation took more than 30 days

Complaint:
XXXX XXXX This request can not be processed online. Experian maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX Addressesshow tooltip buttonSelect as many as apply XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY RENTDEBT AUTOMATED XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$3000.00} past due as of XX/XX/2020. 
Account TypeCollection Balance {$3000.00} Date OpenedXX/XX/XXXX Dispute Revolving Accountsshow tooltip button XXXX XXXX potentially negative icon Potentially Negative StatusClosed. 
Account TypeCharge Card Balance {$100.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeCharge Card Balance {$0.00} Date Opened

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 2023-06-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with convenience check

Complaint:
On XX/XX/XXXX, someone forged my signature and issued a super check # XXXX from my Wells Fargo business line of credit account # XXXX payable to XXXX XXXX XXXX XXXX in the amount of {$10000.00}. On XX/XX/XXXX, I saw this check cashed from my line of credit account, called Wells Fargo and reported this fraudulent check. I didnt write this check, I dont have this style of check and I didnt know any company named XXXX XXXX XXXX XXXX Wells Fargo temporarily refunded the {$10000.00} into my account. On XX/XX/XXXX, Wells Fargo debited my account with this check again and said the signature matched my account records. I called Wells Fargo again but they kept me waiting on the line with different departments and told me that they need 90 days for investigation. I reported this case to XXXX Police on XX/XX/XXXX with all the information I had. I also received a lot of calls and text messages from companies I dont know and they sent me some checks that I didnt write. I sent the fraudulent checks and text messages to the policed officer also. After 90 days, I called Wells Fargo again and faxed a letter on XX/XX/XXXX to request a re-open on my case. Wells Fargo denied my claim again on XX/XX/XXXX and said a second review still finds no fraud. I went to a branch and asked for help but the escalated complaint manager could only transfer the messages from the credit card fraud claims department. They sent me emails on XX/XX/XXXX and XX/XX/XXXX that my claim was still declined. I called XXXX police again and sent a email to Detective XXXX on XX/XX/XXXX. I am also faxing a letter to Wells Fargo again for the reconsideration of my claim on XX/XX/XXXX today.

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 2023-06-06
Company: FIRST PORTFOLIO SERVICING INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I want this company to cease all communications written, verbally, as well as reporting to my consumer report as it is also considered a form of communication per United States code 15 subsection 1692C.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: EQUIFAX, INC.
State: PA
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 been notified that my information was breeched from several companies. I have recently noticed that request to review my credit was completed but not by me requesting anything. This request was not authorized by me. Please delete this information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: U.S. BANCORP
State: CA
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 have been billed an exorbitant overdraft fees by usbank this is not right. I have attempted to make cash deposits at three different usbank ATMs and I keep getting an error message this Cost my account to be overdrawn also when the overdraft fee was less than {$5.00} I was billed another overdraft fee, I am requesting credit for all overdraft fees totaling {$300.00}. I will attach a photos that I took at an ATMs.

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