BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-14
Company: WELLS FARGO & COMPANY
State: NY
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:
onXX/XX/2023 consumer stated that mortgage with Wells Fargo home mortgage was transferred and is still reporting open my consumer report there is also a delinquent status being reported to which Wells Fargo no longer has servicing rights not has any right to report on my credit report this loan was transferred/sold to another services therefore this account should be reporting as closed on XX/XX/XXXX wells fargo responded stating. We incorrectly reported the account as delinquent in XX/XX/2023. We have sent an update to the reporting agencies to show the account was service transferred with a {$0.00} balance for theXX/XX/2023reporting. The servicing of the account was transferred to XXXX XXXX on XX/XX/2023. I'm glad we spoke about your concerns. I appreciate the opportunity to help you, and I've attached a copy of our response letter. 

as ofXX/XX/XXXX original concern of incorrect information has not been updated but re-reported as 30 days past due/delinquent when on XX/XX/XXXX wells fargo stated that they would remove and fix current information. upon further investigation wells fargo has also reported further inaccurate and incomplete 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 2023-07-14
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company is transworld system llc stating that I owe XXXX since XX/XX/2020 for utilities I do not acknowledge this debt this is against US CODE 1681 and is a defamation to my character and livelihood I have filled an identity theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On Wednesday, XX/XX/2023, I attempted to transfer money from my mobile banking app using XXXX. I attempted to transfer {$430.00} to my uncle. I got a message stating waiting for recipient to enroll. I canceled the transfer and the cancelation was approved. However the money was deducted from my account and has not been credited back to my account. I have contacted Huntington Bank and filed a dispute claim but they have not resolved the issue. I have spoken to several people with no resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-14
Company: WELLS FARGO & COMPANY
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions.

46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for 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 2023-07-14
Company: HYUNDAI CAPITAL AMERICA
State: FL
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:
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it XXXX have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.

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 2023-07-14
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.

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 2023-07-14
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I do XXXX XXXX on the side I'm on XXXX XXXXXXXX and I was given two checks that I mobile deposited into my account. after nearly 20 years with US Bank, the checks I was given bounced, and my account was closed. never had a bad check in my life anything to that extent and checks I was given from a customer they close my account. I'm on full blown XXXX. they told me in XXXX that they would close my account anything that was owed they would deduct and then mail me my {$1300.00} check. here we are pushing XXXX I mean XXXX and have yet to receive that money and they can not close my account. this is absolutely absurd and I am XXXX off and I need my money to live on.

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 2023-07-14
Company: Block, Inc.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
From XXXX to XXXX my monthly transactions on my XXXX XXXX all differ from what is shown. Not only can you see the end of each months total change as you scroll through each month but when added up transaction by transaction the total is completely different than the amounts they show month to month. I have proof. There is at least {$1000.00} that is missing from my account. It's like it just vanished!! 

This isn't the only way Cash App is stealing or hiding our money. My bitcoin transactions do not add up and there are transactions that have magically appeared to cover for other funds that have disappeared. Shame on me for trusting them with handling my money. GET RID OF CASH APP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I applied for a credit card through Wells Fargo at a 0 % interest rate for 12 months which I planned to use towards some repair work I needed done at my house. I was approved and sent the credit card along with two giant checks. The contractor did not have the means to accept a credit card but said he would take two checks for payment. I read the information regarding the the check usage and everything I read led me to believe that they could be used same as the credit card unless i used them as a balance transfer. I was not transferring any balances so I wrote the checks. A couple days later when I called the automated number to make sure the contractor cashed the checks, I was shocked that the balance was in fact {$380.00} more than I charged. I called the bank right away and they told me that the {$380.00} was a transaction charge for making a balance transfer! I told them that I did not make a balance transfer and that I would rather pay cash out of my savings than lose {$380.00}. They said they would escalate my concern and someone would get back to me. A person named XXXX sent me an email around 10 days later with more language about using the checks as a balance transfer. I tried to call her but she is never available. Ii called customer service back and asked if I could just pay the balance minus the fees before the statement came and they said no. I feel like I was duped and that my money was stolen from me. I never asked for checks in the first place and for the bank to send two GIANT checks with tiny print about " balance transfer ' language that nobody understands with the credit card that I did request feels like fraud. 
The bank sent me photos which I am enclosing which I actually read but it is and never was clear to me that the checks are considered " balance transfers '' regardless of what you use them for. In my mind I always thought a balance transfer was a transfer of monies from one account to another not a payment like a credit card or regular check. 
Please help put a stop to this unfair practice.

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 2023-02-18
Company: Experian Information Solutions Inc.
State: MN
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:
After discovering that a debt collection company and XXXX XXXX were erroneously reporting a debt as mine, I contacted both organizations to inform them that the debt did not belong to me. However, neither of them has offered any help, and the company keeps calling and making threats despite my explanations. Despite my repeated insistence that the debt is not mine, the company continues to call me during work hours, sometimes multiple times a day. They also call me past XXXX XXXX, which is against regulations. They have contacted me from three different phone numbers and have failed to identify themselves on the phone. The company is attempting to collect a debt that is not mine, and I have already informed them that I will not be paying it. In addition to the calls, I tried to dispute the debt on the company 's website, but it was not functional. After submitting my order, information, and proof, nothing happened, and the website instructed me to resubmit my dispute. If the company persists in these practices, I will be forced to take legal action. I have attached phone records of this company attempting to call me from two different numbers one number ending in XXXX and another one ending in XXXX The company Im talking about is XXXX XXXXXXXX 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 2023-04-04
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 the Fair Credit Reporting act, XXXX Act. # XXXX XXXXXXXX Act. # XXXX XXXX XXXX Act. # XXXX XXXX XXXX Act. # XXXX XXXX Act. # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: AMERICAN HONDA FINANCE CORP
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: Old information reappears or never goes away

Complaint:
The thing I have payed for is not reported. Some collections are not correct. I once had an address on there with no linkage between me. Ive paid numerous bills and debt. Paid for two different credit agencies to fix credit problems. It was a rip off. My credit score should be higher than what it is. I pay all my bills. XXXX didnt give us our money back after false reporting we did not clean room. Which was not true. Ive lost unnecessary money, due to people negligent or not caring. I had just got my XXXX XXXX out of tow shop, for them to come get it. I had to pay for that out of pocket.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: AMERICAN EXPRESS COMPANY
State: NY
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 had an AmEx card with an annual fee open for the past ~5 years. I thought I had closed this card and forgot about it without using it since pre-Covid. During this time Amex charged me {$250.00} in XXXX XXXX XXXX XXXX and again this year all without having used the card for a single purchase or usage of card benefits/rewards in that time span. Thats {$1000.00} AmEx collected without any acknowledgment or any account usage whatsoever. 

When I contacted them to try to recover some of this, they did waive the most recent fee because it was still the same month ( and would only do so if I closed my account as well ). But they were unwilling to do anything about the past several years of fees. 

I fully acknowledge that I should have kept better track of this account, but AmEx should be better about notifying annual fees and identifying inactive accounts when charging high fees. It definitely gives off the sense that they do not care about their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: HUELSON LAW FIRM, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to file a formal complaint against Huelson Law Firm , LLC, a debt collection company that has failed to validate a debt they claim I owe and has not responded to my inquiry regarding a potential " paid to delete '' arrangement. Despite multiple attempts to contact them via certified mail, phone calls, and emails, I have not received any response or validation of the alleged debt. 

On XX/XX/2023, I sent a certified letter to Huelson Law Firm , LLC requesting validation of the debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). As of today, I have not received any response or proof of the alleged debt from the company. 

In the same certified letter, I also expressed my interest in discussing a " paid to delete '' arrangement to resolve the outstanding debt, if validated, and have it removed from my credit report upon payment. However, Huelson Law Firm , LLC has not provided any response or indication of their willingness to consider such an arrangement. 

Additionally, I have made several attempts to contact Huelson Law Firm , LLC via phone, but have been unable to speak with a representative. I have also sent an email to their customer service email address XXXX on XX/XX/2023, but have not received any reply. 

This lack of communication and failure to validate the debt is causing undue stress and negatively impacting my credit report. I request that the CFPB investigate this matter and take appropriate action against Huelson Law Firm , LLC for their non-compliance with the FDCPA. 

Please find attached copies of the following documents to support my complaint : 1. A copy of the certified letter sent to Huelson Law Firm , LLC requesting debt validation and expressing interest in a " paid to delete '' arrangement. 
2. Proof of delivery for the certified letter. 
3. A copy of the email sent to XXXX requesting debt validation and discussing a " paid to delete '' arrangement. 

Any additional documentation or correspondence related to the debt in question. 
I appreciate the CFPB 's assistance in resolving this issue and protecting my consumer rights. Please do not hesitate to contact me if you require any additional information or clarification

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: Experian Information Solutions Inc.
State: AL
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX Bankruptcy Reference # XXXX has violated my rights. 
XXXX XXXX XXXX  Account # XXXX has violated my rights.

15 USC 1681 Section 602 A States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15
Company: I.C. System, 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: Was not notified of investigation status or results

Complaint:
Hello, I have been trying to reach IC System since 2022 and I have yet to receive any response regarding the information I requested. Because I do not recognize this account I do not believe that this account is mine.

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 2023-06-15
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have attempted 3 time over three weeks to submit this dispute to BofA and each time I am told 'Dispute service ' not currently available. That is BofA does not allow me to submit my dispute. Dispute is : XXXX charged {$27.00} by XXXX for a subscription service. 
XX/XX/23 I wanted to add another subscription service but I was told I now had to buy the whole subscription sevice package, even though it included my recently purchased service; but that when I purchased the full package, the previous purchase of the now duplicated service charge would be refunded. I therefore bought the full package for {$150.00} charged to me by XXXX on XX/XX/23. 
I have not been refunded the {$27.00}. Now XXXX says that I have applied for the refund too late, although at the time of the new purchase I was told by the XXXX agent that I would get the refund automatically. 
I dispute this {$27.00} transaction made by XXXX to my CCard.

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 2023-07-15
Company: MacDowell & Associates, Ltd.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I did not allow macdowel and associates to run my credit. I do not remember opening any cash plans. I was a victim of identity theft. I will upload the police report.

Company response to consumer: Closed with explanation