BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX, XXXX Ohio XXXX I recievd a copy of my consumer report with the intentions to improve my credit and noticed a account that i want a little more explanation on im not saying it is reporting rite or wrong im just not 100 % sure if it is. I also read somthing called the Fair Credit Reporting Act where it give me the rights to challenge anything i am not sure is 100 % accurate. In 15USC it states if you caint provide proof this account must be deleted. Well i want this account deleted if it is not reporting 100 % accuate. I heard by law you have 30 days to investigate this dispute. 

XXXX XXXX XXXX Please investigate this account and remove if theres anything missing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am very sad as I need to deal with fake accounts in my credit report. Could you please figure out who is responsible for damaging my score and life? I can not recognize these items and they are not mine. Its identity theft or bad reporting but I can not accept the fact that I have them in my credit report. Delete them as soon as possible.

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 2022-09-06
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: Their investigation did not fix an error on your report

Complaint:
Hello my due date was changed this account was never late after multiple disputes XXXX refuses to fix this mistake in addition there was a winter storm we lost power and internet for 2 weeks. As you can tell I have Zero late payments and nothing derogatory on my credit report aside from this XXXX mistake they refuse to remove the lease was even paid off 6 months in advance kindly assist me with making XXXX do the ethical correct thing in regards to this issue XXXX appreciate your help I sent all the supporting documents to the 3 credit agencies only one removed it. I need your help please.

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 2022-10-03
Company: Mr. Cooper Group Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
Mr. Cooper violated the Electronic Fund Transfer Act in misappropriation of my home payment of XX/XX/2022, and now they have violated state and federal law of having not refunded my escrow within 30 days of the loan payoff date

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: TRANSWORLD SYSTEMS INC
State: GA
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 ( XXXX XXXX  ) - Dispute Customer # XXXX {$87.00} To Whom It May Concern : I have recently been informed that there is negative information reported in the files you maintain. 
I challenge the accuracy, compliance and reportability of this listing.I never gave consent to any documents or subscriptions. 
There is no valid claim, no contracts exist. 

Grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Finance System of Richmond, Inc.
State: FL
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 a Fair credit reporting act [ XXXX XXXX XXXX # XXXX has violated my rights. 
[ FINANCE SYSTEM OF RICH ACCOUNT # XXXX has violated my rights. 
[ XXXX XXXX XXXX # XXXX has violated my rights. 
Under 15 USC 1681 section 602 states, I have the right to privacy.

15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
THE XXXX LAW GROUP I HAVE PAID THE GARNISHMENT XXXX AT XXXX XXXX XXXX FIVE YEARS LATER SAME OFFICE START GARNISHING MY WAGE AGAIN SAME CASE BUT UNDER DIFFIRENT NO TAKEN 25 % FROM MY PAY CHECK I FILE CLAIM OF EXEMPTION LAST MONTH I RECEVED COURT NOTE REGARDING THE HEARING AT XXXX COURT FOR XXXX/XXXX/XXXX I WENT TO THE COURT I FIND THERS NO CASE AT THIS COURT REGARDING THIS ISSUE I NEED HELP PLEASE I CANT AFFORD TO PAY ANYTHING THIS CAS ALREADY PAID CASE NO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TransferWise Ltd
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
Several years ago without notice or warning Transferwise now operating as Wise, decided to close my account. They did not provide written explanation or reasons for as to why they had done so. I appealed the account closure through their customer service only to receive a response that they had decided to stand by their decision to close my account. 

I did not use the account in any way which would have violated their terms and conditions, nor did I engage in any suspicious or unlawful activity using the account. 

My only guess is that I may have inadvertently attempted to open another account at a later date, having forgotten my original account details or that I had an account with them and that perhaps this was viewed as fraudulent or suspicious. This is merely a guess. 

I would simply like Wise ( Transferwise ) to reinstate my original account or help me to recover it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
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:
I have file numerous dispute with reporting agency experian about this fraud account that does not belong to me that last dispute was file in XX/XX/XXXX i also files in XX/XX/XXXX i filed and sent documents as they requested the account has not been removed i filed the FTC report they removed all the other account and inquires but not the XXXX XXXX XXXX account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: CITIBANK, N.A.
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I had got a BestBuy credit card and signed up for auto payment and e-statement for each month I was getting my statements, but they did not show any charges. I just got the Your XXXX Annual Account Summary report from BestBuy and seen over past year there was around 700 dollars worth of charges around 110 dollars each month for some debt protection fees. I never would have signed up for this if I was properly informed about it and the fact that it was not showing up as charges each month is looking like unfair practices to me. I called the XXXX number and got redirected three times before I got someone who cancelled the program. I asked for proof that I was informed and signed up for this program and was told it could take 30 days before I am sent anything. I think sense I was not shown each month this charge was happening I should be allowed to receive a refund of these charges as I did not even see this until the summary report came out and I seen this in it. 

Miscellaneous XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Seeing this report and looking into it I have seen I have also been charged for XXXX and XXXX of XXXX so far as well XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX I have looked online and seen that Citybank has already been forced to pay back money for Deceptive Marketing from this debt protection stuff. 

I made a big purchase in XXXX but before that I have almost always payed off the card sense I had it and never seen these charges before.

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 2020-05-29
Company: Experian Information Solutions 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:
SHOWING A LATE ON MORTGAGE FCRA VIOLATIONS IF IT CANT BE CORRECTED MUST BE REMOVED FTC VIOLATIONS XXXX  XXXX XXXX XXXX   VIOLATIONS FILED AND SENT

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 2023-07-12
Company: Meridian Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was already paid by 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 explanation
Consumer complaint received 2019-08-06
Company: DISCOVER BANK
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Discover Student Loans On Saturday XX/XX/XXXX, I received a phone call at XXXX about my missed payment. I believe that is outside of hours that a company should be calling about a missed payment. I called Discover at XX/XX/XXXX to stop calls and only communicate by email or regular mail. I was told OK. 

Then today XX/XX/XXXX, I have now received 4 phone calls. I resorted to scheduling a payment to stop the calls. On happened while I was with a doctor for my child. 

This constant harassing about a payment at most two weeks late is too much.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-19
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Tried to sell my bitcoins ( ~ {$11000.00} ) via the mobile app and site, on XX/XX/18 Both return an error saying there is some problem but didn't say what. 

Tried reaching out to support to get it fixed, no real response, got put into a " queue ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-28
Company: EQUIFAX, INC.
State: NY
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:
fraudulent unauthorized inquires that I see on my credit report which I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: U.S. BANCORP
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have tried multiple times to contact U.S. Bank regarding my credit card. I have been unable to log into my account for 6-8 weeks. I have a new phone number, which I had updated, but they did not make a change to using it as account recovery. Therefore, when I try to reset my password it will not allow me. I have not had access to my account to review any charges, verify accuracy of my bill, or make an online payment. I have called them via phone in XXXX, XXXX, and again today XX/XX/XXXX. Today, I learned that they did not update my account properly and that I will take 3 business days to correct. I requested to speak to someone in their credit department as I wanted to request they remove the negative remarks since it was their error that did not allow me to view or pay my bill online. I spent 54 minutes on the phone but was disconnected. I called back, spent another 5-10minutes on the phone and was disconnected. I called a 3rd time and was told no one would help me unless I paid my bill and when I requested a supervisor the call was again disconnected. I do not think I should be at fault when U.S. Bank has not provided me with the ability to view and pay my bill online. I can bring my account current once I finally gain access to my account ( supposedly on XX/XX/XXXX yet my next billing date is XX/XX/XXXX so they will report me for a 3rd month ).

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 2020-08-25
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I disputed negative and inaccurate and incomplete information on my credit report with all three bureas XXXX, Equifax XXXX on XXXX, XX/XX/20, XX/XX/20 and they have yet to respond to any of my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: U.S. BANCORP
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Elan Financial Services has placed an account on my 3 credit bureaus that is not mine. I am a victim of identity theft. This account is not mine. A hacker stole my personal information from the dark net because of the XXXX Data Breach

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 2017-06-23
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XXXX XXXX XXXX, the representative at Wells Fargo in XXXX XXXX treated my mother and I in a very unprofessional manner. My parents tried to get me access to their safety deposit box in order to run errands for them, but I was denied access to the safe area due to my age ( XXXX ). The other managers at this specific branch allow me to accompany my parents into the private room next to the locker. Today this woman made a big deal about me going into the private room that was right next to the locker. There is another room further away from the vault containing safe deposit box, and my mother asked if we could go in there if the woman does not want me near the other safety deposit boxes. The woman denied us from taking our box from that certain area. She later told us there is a printable form that needs to be filled out in order for me to even accompany her into the corner room. Then when my mom requested for this form, another teller told her that a written consent would work too. The problem was not with the form, but instead it was with her attitude towards us when I tried to go into the private room near the safety deposit boxes. She humiliated us in front of other employees and customers. Me helping my parents put items into the safety deposit box once it is in a room had never been a problem before until now. We had a couple more transactions to do, but we left the branch in haste due to her attitude towards us. She made it an unwelcoming and hostile environment.

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 2022-09-06
Company: EdFinancial Services
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hello, I'm a current student enrolled in a XXXX college. I had a student loan in XXXX and I decided to pay it back when I thought interests would rise back up at the end of the month of XX/XX/XXXX. I wanted to make a payment ahead of time so I did. I made it a payment of {$1500.00} to my student loan provider Edfinancial and they processed it on XX/XX/XXXX. Two days later, President Joe Biden made the announcement that all federal loans would be cancelled. I know I qualify for the forgiveness because I definitely make less than XXXX a year. I haven't reached out to Edfinancial yet just waiting for next updated news on the situation as well as the forgiveness. However, from everywhere I look, they have been telling other customers they give it back within 150 business days or they make a request and they call back and they say they haven't made a request in the first place. I don't like dealing with unhelpful customer service, it's the worst! Someone suggested I should make a complaint and that's what I'm doing. From the sound of things, they should have a better customer service representation, and they should update people on correct and accurate information about a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
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: Their investigation did not fix an error on your report

Complaint:
There are many mistakes appear in my report without my understanding. I have written multiple letters beginning XX/XX/2019 about these 8 items on my credit report that transunion claim to have verified all the information on my accounts but there is incorrect information throughout the accounts that transunion will not correct. I am asking that these accounts be removed from my credit report immediately. 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 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2019-08-06
Company: CarMax, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To Whom It May Concern : I went on loan with my son so he could buy a car from Carmax. 
When he could not pay the car on time I would pay for him on time. This XX/XX/XXXX my son traded the car in on a new one. The new car lot called got pay off amount and told Carmax what was going on. No one called me or mailed me or emailed me of any problem. 
Car was payed off in XX/XX/2019 and now show on my credit report that payment Status 30-59 Days Late. 
Car was payed off in full and Carmax was informed that my son got new car and they would be payed in full. They should not hit me for late payment on last payoff when they know what is going on. Payment Status needs to be fixed on my report to no days late. 
Thank You!

Company response to consumer: Closed with non-monetary relief