BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-22
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was told to submit a claim form last year which I did on XX/XX/XXXX. I waited and after several months I received a check on XX/XX/XXXX. Their letters claimed I would be receiving around {$210.00} when I finally received the check it was for {$170.00}. Where is the {$33.00}? I need assistance because I have a feeling I 'm going to get the run around with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: Experian Information Solutions Inc.
State: IL
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:
Hi there, I disputed inaccurate information on my Experian credit report twice in XX/XX/XXXX  and  XX/XX/XXXX . It was about unauthorized hard inquiries. I asked Experian to provide a verifiable proof I consented to these inquiries via FCRA section 609 and 605 as well as the accuracy of them via FCRA section 623. I asked them if they have no proof of any or one, I would like these inquiries to be removed immediately. I received the results from Experian and they didnt provide me with such proof and kept reporting those hard inquiries as inaccurate information. According to FCRA the following hard inquiries should be removed immediately : Creditor Name :   XXXX   XXXX   Date : XX/XX/XXXX  Creditor Name :   XXXX   XXXX   Date :  XX/XX/XXXX Creditor Name :   XXXX   XXXX   XXXX   Date :  XX/XX/XXXX  Thank you

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 2022-09-15
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
I called the XXXXEquifax after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was a account XXXX XXXXXXXX on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/XXXX. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last complaint and hoping that this XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} 30 days late will be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On  XXXX   XXXX ,  2017 I called Santander Bank to req uest a Home Equity Loan. My first question for them was if I was eligible for the loan if I had already started my kitchen renovation because I did n't want to waste my time if this was the case. The representative from Santander said this would n't be a problem. The representative 's name is  XXXX  and her ID number is  XXXX . I decided to apply over the phone with her and we spend over 40 min on the phone going through the process. She told me to have the rate they were offering, I would also need to open a checking account. I asked if I could open this later after being approved because I did n't want to deal with the hassle of opening a bank account, make a deposit of {$25.00} ( minimum required ) and then get my application rejected and have to cancel the account. She said opening then would be easier and I accepted to open the checking account. Since then I provided all documents required by then, with a note that most of the time I was the only reaching out to them to see the status of my application because I was not getting communications directly from them. Now I 've been informed that after the assessment of my propert y ( don e last week ) that my application was not acceptable and was sent to " denied '' because my kitchen and a small bathroom are under construction. I contacted them and explained the situation and they simply " apologized for the inconvenience '' and said I could have another re-evaluation as long as it is done by  XX/XX/XXXX  otherwise I would need to start from scratch. I requested an extension of this deadline since the construction should be all set by the week of  XX/XX/XXXX  and they rejected my request as well. Now I am left with an unfinished kitchen and bathroom, a checking account that I do n't want to use and the hassle to pursue another loan and start from scratch because they misled with wrong information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I was unable to dispute these new claims online with Experien. I was not allowed access using my credit report number. I did not request any personal statement. The personal statement " FILE FROZEN DUE TO STATE LEGISLATION. '' I want removed.     I want the  XXXX   XXXX  account that was closed in  XXXX  removed as well as the negative statment " This item was updated from our processing your dispute in  XXXX   XXXX .     I want the  XXXX   XXXX    XXXX   statment in the comment section removed : '' Account previously in dispute-investigation compelte, reported by data furnisher. '' These claims paint me in a negative light when I work very hard to keep my credit information pristine and accurate. Why does Experien make it difficult or impossible to dispute and access my credit report online using a free 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 explanation
Consumer complaint received 2017-06-08
Company: EQUIFAX, INC.
State: NC
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 XXXX, 2017 Federal Trade Commission Consumer Response Center XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX RE : CREDIT COMPLAINT LETTER To Whom It May Concern : I am writing to file a complaint against XXXX XXXX XXXX, XXXX, XXXX, Equifax. <P/>For the last 2 months I have filed more than 2 disputes against XXXX XXXX XXXX, reporting of my car loan balance and as of this 60+ day mark the issue has not been resolved. <P/>I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with XXXX XXXX XXXX to date. Today I received another letter from XXXX stating that XXXX XXXX XXXX has properly investigated my balance and is still reporting my balance as {$19000.00} since XXXX 2017 ( recently updated in XXXX the same balance. I also received an alert from XXXX that my balance is {$19000.00} and has been so since XXXX, 2017 I continue to send the same documentation to the XXXX, XXXX and Equifax ; I have called XXXX XXXX XXXX and the representative was clear that my balance is not {$19000.00} as being reported by the company to the credit bureaus and the credit bureaus are not reviewing the documentation as they are supposed to. Enclosed I have copies of my auto loan statements from XXXX, XXXX and XXXX as you can see the statement dates are the XXXX of the month and no not show a balance of {$19000.00}. According to the FCRA I have a right to an accurate credit report and this is not accurate. If the credit bureaus refuse to report the information properly then I have a right to damages for non reinvestigation. <P/>I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. <P/>Thank you for your assistance. <P/>Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Met this person on XXXX. Got lured into this website site ( XXXX XXXX XXXX ) by this person from facebook ( XXXX XXXX XXXX? XXXX ). I Deposited money with international money transfers apps ( Remitly, XXXX XXXX, XXXX, XXXX, Wise ) including bank wire transfer and XXXX XXXX XXXX. Once I started traded with the money I invested for commission, all of a sudden it pops up that I won a bonus award and I needed to deposit more. Even the person I was talking to on XXXX helped me deposit with her money to help me unlock this bonus award, knowing the person was part of the scam. I had to complete my task of the day in order to withdrawal the money, then another prize award pops up, saying that I hit the jackpot. I had to deposit more money to complete to bonus prize. Now when it came to when I was allowed to withdrawal the money, trying to withdrawal full huge amount ( $ XXXX ), Now they saying I need to deposit 40 % of that total amount to complete a tax procedure for both the system and the bank. I had to open a loan and ended up depositing that 40 %. They tell me I must complete the task the day so I can withdrawal, I end up winning another prize. Now they tell me I must deposit more money to complete the bonus award then XXXX can withdrawal. The prize just gets bigger and bigger and I have to deposit more and more. Unable to withdrawal, now I am stuck here feeling that I have been scammed. I've done research scammer XXXX account, she is pretending to be someone else and steal pictures from this XXXX account : https : /XXXX. Please help me, what should I do to get my funds back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-08
Company: Experian Information Solutions Inc.
State: NC
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   XXXX ,  2017 Feder al Trade Commission  Consumer Response Center   XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX    XXXX   XXXX  : CREDIT COMPLAINT LETTER To Whom It May Concern : I am writing to file a complaint against  XXXX   XXXX   XXXX , Experian,  XXXX ,  XXXX .  <P/> For the last 2 months I have filed more than  XXXX  disputes against  XXXX   XXXX   XXXX , reporting of my car loan balance and as of this 60+ day mark the issue has not been resolved.  <P/> I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with  XXXX   XXXX   XXXX  to date. Today I received another letter from Experian stating that  XXXX   XXXX   XXXX  has properly investigated my balance and is still reporting my balance as {$19000.00} since  XXXX    XXXX    ( re cently updated in  XXXX  the same balance. I also received an alert from   XXXX   that my balance is {$19000.00} and has been so since  XXXX ,  2017 I con tinue to send the same documentation to the  XXXX , Experian and  XXXX  ; I have called   XXXX   XXXX   XXXX   and the representative was clear that my balance is not {$19000.00} as being reported by the company to the credit bureaus and the credit bureaus are not reviewing the documentation as they are supposed to. Enclosed I have copies of my auto loan statements from  XXXX ,  XXXX  and  XXXX  as you can see the statement dates are the  XXXX  of the month and no not show a balance of {$19000.00}. According to the FCRA I have a right to an accurate credit report and this is not accurate. If the credit bureaus refuse to report the information properly then I have a right to damages for non reinvestigation.  <P/> I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below.  <P/> Thank you for your assistance.  <P/> Sincerely,  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 2022-09-15
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Recently, i did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that the 3 credit agencies didn't make sure was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681 ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, i request to know all the steps they took to insure that these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) -Method of verification In accordance with the Fair Credit Reporting act these following accounts have violated my rights- XXXX XXXX : Acct # XXXX XXXX  XXXX XXXX XXXX Acct # XXXX 15 U.S.C 1681 section 602 A. States i have a 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 2022-03-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
PORTFOLIO RECOVERY ASSOCIATES LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Virginia To : The Office of Registered Agent for XXXX XXXX XXXX From XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
3 ) Documentation that shows I agreed to pay this debt with my signature. 
4 ) The Agreement that grants you authority to collect on this alleged debt. 
5 ) A copy of your state license, including license number that give you rights to collect in my state. 

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX  XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : XXXX. Harassment and abuse XXXX. False or misleading representations XXXX. Unfair practices XXXX. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for Monetary damages. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. If you lack understanding of this paperwork, forward to your ATTORNEY. 





By : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I'm a co-signer on a student loan account with Wells Fargo Bank, N.A. but do not have any other relationships with Wells Fargo. The student loan is not yet up for repayment as the student is still attending school. 
Earlier this week, I received a " XX/XX/2019- 1099 - INT, INTEREST INCOME '' statement from Wells Fargo reflecting my social security number, a checking account number and {$760.00} of interest income on that account in XX/XX/2019. I do NOT have a checking account with Wells Fargo. I called the Student Loan Customer Service at Wells Fargo on Wed, XX/XX/XXXX to report this issue. After being on the phone for close to an hour, the Wells Fargo agent confirmed that the 1099 statement was an error on their part since they could not find a checking account under my social security number. I then asked them to send me a corrected statement to show no interest income so that I don't have to report this as interest income when I file my XX/XX/2019 tax return. In response, I was told that would not be necessary and that Wells Fargo Executive Office will contact me via phone in the next 24 hours. It has now been 2 days and nobody has contacted me!

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 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX ( Original Creditor XXXX XXXX XXXX  XXXX ) XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-04-05
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
n accordance with fair credit reporting act XXXX  Account XXXX XXXX XXXX n accordance what fair credit reporting act XXXX  Account XXXX XXXX XXXX n accordance with fair credit recording act XXXX  Account XXXX XXXX XXXX 15 u.s.c 1681 section 602 A States I have the rights 15 u.s.1681section 602 A Section 2 it also states a consumer reporting agency can not fumish A account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: EQUIFAX, 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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 6. RENTGROW on XX/XX/XXXX XXXX Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX  on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation