BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-17
Company: Ability Recovery Services, LLC
State: MD
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX XXXX, 2015 I enrolled in a online course through XXXX University. I enrolled in this class with a Federal Student Loan Credit. It was a Direct Unsubsidized Loan. XXXX XXXX XXXX did not provide for any other means of payment for the course, other than this student loan. According to the student loan, the student must be enrolled for a certain amount of days for the loan to pay off. I withdrew from the course on XXXX XXXX, 2015. The financial aid office was aware of this ( the payment date of the loan ) ; they made me aware of this. Still, they made no further provision for payments. The days of which I participated on-line was to be paid through financial aid. It is my understanding that I had the jurisdiction to withdraw without penalty/payment expected, because the payments was set up under the guidlines of the rules of the U. S. Dept. of Education Federal Student Loan. And no other provision was expected, nor signed for. XXXX University has placed a debt of {$910.00} on my credit report and I deny that this is my bill. I believe that this should be removed from my credit report. With the exception of the weekend days, I only had less than 10 days of on-line opportunity of which to work on line for the course. XXXX was aware as to when the student loan was to pay off and did not request any payments for the days prior to the payment from the student loan company. They did not make this request at the time of registration and should not be allowed to do so after the withdrawal. The instructor kept complaining that I was not submitting my work in the proper format that he could receive it. I tried many times to correct this issue and it did not resolve. Therefore, this online course was not appropriate for me and there was not a need to waste the Federal Student Loan. I have discussed this issue with the financial aide office at XXXX University many times. I have discuss this situation with the credit reporting agency - XXXX XXXX XXXX, XXXX XXXX XXXX PA XXXX - via a response mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
Requested a credit report online. It was nearly impossible to determine what the cost of the report was. There was lots of wording anout a credit monitoring which I didnt want. But Experian somehow signed me up for a monthly fee which would be well over {$260.00} per year. Apparently, I was given a 10 day trial period. At the conclusion of that time, I was billed XXXX. The issue here is really about how skillfully Experian hides and manipulates those requesting a credit report into their very expensive and mostly useless service. It is a fraud that for most people may be unknown for many months until they notice the charges on their checking statement. This tactic is used by Telemarketers constantly and has no place in credit reporting. I contacted Experian and after XXXX phone calls, they flat out refused to credit my debit card. It is clear that this is a cleverly executed scam, designed to confuse and siphon more dollars from unsuspecting consumers, especially XXXX. This must stop.

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 2017-02-10
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I am a victim of identity theft. I have send letter to Credit Bureaus for blocking Fraud information, but they did n't send me proper notice for that investigation.

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 2022-06-02
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights. 

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

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

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 2020-12-31
Company: Experian Information Solutions Inc.
State: MO
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:
Letters were sent to all 3 reporting agencies on XXXX. 
I nor my husband XXXX XXXX have received anything. These inaccurate findings are PREVENTING us from purchasing a home. This is VERY disrespectful to not respond in 4 months now.

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 2020-12-31
Company: EQUIFAX, INC.
State: MO
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:
Letters were sent to all 3 reporting agencies on XXXX. 
I nor my husband XXXX XXXX have received anything. These inaccurate findings are PREVENTING us from purchasing a home. This is VERY disrespectful to not respond in 4 months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: NCB Management Services Inc.
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX has sold this account and the vehicle was removed and they put it back on with a different date. It was sold to NBC MANAGEMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: First Technology Federal Credit Union
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I hold a checking account with First Tech Federal Credit Union with a running balance of {$7000.00}, to which I made a XXXX deposit of {$6800.00} and two XXXX  credit card payments of {$4200.00} and {$4600.00}, all ACH transfers. All three transactions posted to my account on XX/XX/XXXX. Because First Tech FCU 's processing systems chose to post the debits to my account before the credit, they returned the second XXXX payment unpaid, incurring a {$33.00} " return item fee '' to my account. This has happened once before in my multi year tenure with the bank, however they were able to reverse the fee upon request as it was a similar issue. This time however, even when I escalated the issue to a supervisor for review, they refused to reverse the fee, saying that in XX/XX/2020 they have increased their " return item fee '' by {$5.00} and also became more strict on not reversing them. They neglected to address the issue that their system could've posted the credit first, but did not. 

The bank charges me nothing when a debit card transaction is declined, because I have opted out of " overdraft protection ''. However an ACH decline, which is just as free for the bank to process, incurs an exorbitant {$33.00} penalty. This needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: TRIAD FINANCIAL SERVICES, INC.
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
daughter and i bought a mobile home set up in a parkter on welfare in public housing and im XXXX.She moved in her, her kids and boyfriend.She is cosighner im primary.She left in 1 month.I paid everything down payment and all..She never told welfare she was moving in and went back to the same housing.They have her listed as XXXX owner I asked to take her off they said refinance i asked my bank.they said they need a title the finance place said there was none.I paid for title insurance.It has a serial number..My daughter wont sighn to get it.She can come into this home anytime.She wont let go i told her to pay she wont.I just want out without being peilized or to get her name off the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: EQUIFAX, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This is fraudulent. It is not mine. I got no notice, and disputed multiple times requesting information they do n't have and cant provide. kindly help me to get this removed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24
Company: Empowerment Ventures, LLC
State: TX
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
I 'm a Rushcard member and my direct deposit was never issued to me. When using mu card it declines all transactions! I 've had to borrow money in order to feed my family and pay bills!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-19
Company: Empowerment Ventures, LLC
State: VA
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
For over a week I have not been able to access my account with Rush Card. My direct deposit is 4 days overdue and can not reach customer service ... They do n't answer emails, private messages or anything else I have tried. There are XXXX of people affected by this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-13
Company: Empowerment Ventures, LLC
State: NY
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I am unable to access any of my money after an apparent " system upgrade ''. My payroll deposit is not posted, my prepaid debit card shows inactive on the site, and the amount listed available is a mysterious amount. No one in customer service is answering and it has been well over 24 hours. An email was sent stating the upgrade would be from XXXX Monday XXXX/XXXX/15 but I still can not access my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-24
Company: SQUARETWO FINANCIAL CORPORATION
State: OK
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
The XXXX XXXX XXXX, XXXX. law firm is representing CACH , LLC in collecting a debt I do not owe. The name on the account is not my legal name and I believe the account was created from identity theft. A judgment for {$160000.00} was granted against me. This has been a series of long and never ending harassment events over the past 2-3 years. I have pending complaint against XXXX XXXX XXXX with the Oklahoma Bar Association for unethical behavior. Also, I have provided a valid and notarized ID Theft Affidavit to XXXX XXXX XXXX, XXXX. law firm. I seeking all monies garnished and collected from me to be returned and release the judgment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX this is my Complaint Id #. I have explained everything, not sure what is going in with this case? 

I refuse and will not pay anything I was frauded on. This will have to be in collections because I am not paying this. I do not know this person, and have no idea why are people getting away with XXXX people out of thousands of dollars. It is very sad that this is being done and no one is helping us. Why would I authorize and send someone money that I barely have, I live from check to XXXX check and thus is ridiculous. I am not paying this at all, I was reaching out to you all for help.

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 2020-12-31
Company: WELLS FARGO & COMPANY
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/20 I wired {$200000.00} from my bank ( XXXXXXXX XXXX ) to a Wells Fargo branch in XXXX XXXX MN. I had been duped by a fraudulent e-mail and the money did not go to who I intended it to. Efforts to stop the transfer or retrieve the money were too late. 

Wells Fargo facilitated this by allowing a very suspicious chain of events. Most egregiously the beneficiary on my wire was " XXXX XXXX XXXX XXXX ''. The account that it went into was in the name of XXXX XXXX, opened a week earlier. 

Wells Fargo made a cursory fraud phone call to me but did not mention the discrepancy in account names or any other reason to suspect fraud. Nor did they ask any questions that might have alerted me to the possible fraud. 

Wells Fargo refused to talk to me about this. My local police served them with a search warrant for account details. They provided the minimum and were not cooperative with the detective.

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 2020-12-31
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2020 XXXX transferred {$790.00} from my XXXX checking account to an unknown financial institution. 
I have filed a complaint with XXXX XXXX see attached documents ) and contacted XXXX. So far, XXXX has refused to provide the name of the financial institution that received the transfer. I won't accept that that is proprietary information. My money was intended to go to XXXXXXXX XXXX, XXXX has confirmed that that did not happen. 

The transaction number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: SANTANDER HOLDINGS USA, INC.
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Santander has sold this account and the vehicle was removed and they put it back on with a different date. It was sold to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Smith, Rouchon & Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hi, I mailed several letters to Smith and Rouchon & Asso and no response form them and yet this is still being reported on my credit which is causing a huge impact. Shown below are the dates of the letters that I mailed out. Please help with getting this resolved, I really need this to be removed. 
XX/XX/2022 XX/XX/2022 XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: Experian Information Solutions Inc.
State: AK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
You asked XXXX questions. 1. Yes. 2. No. 
My credit report has someone else 's SSN and lists a place I have never lived. My homeowner 's insurance went up. I called the insurance company several times, and FINALLY one person would tell me why ( sort of ). She said it had something to do with my credit score. I paid off my house and have no debt, and I can only suspect that is why. One company told me I had EXCELLENT credit, but somehow my credit score increase my homeowner insurance by several hundred dollars. No one will speak with me at the credit company or the insurance company about the truth. I absolutely hate this system! Help!!!

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 2016-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I have disputed. Being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA - " They are required to promptly delete all information '' which can not be verified that I have disputed. Please resolve this manner as soon as possible. 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 non-monetary relief
Consumer complaint received 2015-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
A XXXX card account was opened fraudulently in my name and I have been disputing this account for more than 3 years since I found out about it. The credit reporting agencies are not persistent in assisting me get this account removed. The company states that I opened because the info used to open it matches my location and description at the time it was opened, however the handwriting does not match and the area where the purchases were made is no where near the location I was residing. I just want my name removed from this company 's files and for my reports to reflect as such.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation