BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-13
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Fair collections and out have reported inaccurate information to experian, this information has caused serious damages to my lifestyle. I have sent proof that this information is inaccurate but experian refuses to delete this account. I am being charged for living in an apartment from XXXX/XXXX/15 to XXXX/XXXX/2015 after my lease ended. I have sent proof that shows that this information is inaccurate. I have attached copies of proof that we ( XXXX XXXX and I ) moved and signed new leases on XXXX/XXXX/2015. This needs to reviewed and corrected immediately.

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 2022-10-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was XXXX for a few days due to a XXXX When this happened my property was left on the scene due to the police not grabbing it, which resulted in someone getting my property. While I was XXXX someone withdrew and charged over {$9000.00} and on XX/XX/XXXX I called and reported this to Wells Fargo fraud support. They called me a few days later to ask questions which I answered with no issues. On XX/XX/XXXX I was found to be responsible for the charges and basically lost the money. I've been a customer of Wells Fargo for a few years now, and I've saved up my money to the best of my ability and to have my bank not help me better is very disappointing. I want to appeal their decision but to my knowledge there is no way to do so. Please help. I work hard for my money and this happening is making life a lot harder especially with the inflation going on in the economy.

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 2020-03-09
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX  XXXX is reporting a debt on my credit file I do not owe. I was not informed of this debt until I checked my credit. As soon as I learned about the debt, I called and settle it, a long time ago. I was not given any collection notices or phone calls regarding this debt, and this violates my 30 day right to dispute by law.

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 2020-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX  XXXX is reporting a debt on my credit file I do not owe. I was not informed of this debt until I checked my credit. As soon as I learned about the debt, I called and settle it, a long time ago. I was not given any collection notices or phone calls regarding this debt, and this violates my 30 day right to dispute by law.

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 2017-04-25
Company: Navient Solutions, LLC.
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: Information belongs to someone else

Complaint:
Navient has fraudulently put student loans on my account. I have never had an account with Navient. They can not provide written proof of a signature with me and NAVIENT on the same contract. I have been d isputing them off my credit for years. Since they in bed with the credit bureaus they claim the debt is valid. But they can not provide proof to show where I have SIGNED WRITTEN AGREEMENT BETWEEN ME AND NAVIENT.     They are fraudulently messing up my credit on purpose. I have saved monthly credit reports for over 3 years where navient just puts whatever they wont on my credit. Accounts are open, closed, then reopened, paid, not paid, high balance, low balance, missed payments, no missed payments. And the straw that broke the camel 's back was last we ek my credit score drop ped by  XXXX  POINTS because of navient fraudulently changing information on my credit.     I AM FED UP. ENOUGH IS ENOUGH. I BEEN PLAYING GAMES WITH THEM FOR TOO LONG. I HAVE A MOUNTAIN OF EVIDENCE ON THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: Google Compare Credit Cards Inc.
State: TX
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
google wallet has cancled my account with {$140.00} us dollars and will not get back to me about a refund this is borderline stealing. I cant get in contact with anyone about getting a refund and no one will respond in emails. this is my money and i need it now. the customer support is terrible and they can not provide any info on getting my money back to me im very displeased with how ive been handled. this needs to be addressed so customers can get their money back in a timely manner ... not a month or XXXX just to get a refund thats way to long to handle an issue. ive called more than XXXX times and no one can help me!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I've had an XXXX XXXX credit card with USAA for more than five years. A couple months ago, I received an email notification alerting me that the account would be closed for inactivity if I did not make a purchase on the account. I ordered a new physical card, that was delivered, and on XXXX XX/XX/2022 made a purchase. On the statement due date, XXXX XX/XX/2022, I paid the statement balance of {$26.00}. 

On XXXX XX/XX/2022, I received an email from USAA notifying me that the credit card had been closed dude to inactivity for the last three years. Online, the available credit was reduced to XXXX. I attempted to call, and there was no ability to speak to anyone in the credit card department regarding this error in their system. I could only be routed to their checking department, as that was the only remaining account that I had open with them. 

This action taken by USAA will detrimentally impact my credit score, as it will reduce my available credit. This adverse action was taken despite my acknowledgement of their notice, and having taken affirmative action to prevent this outcome.

When I called USAA to rectify the problem, I spent almost 40 minutes on hold. When I called back, I attempted to completely end my business relationship with the company. I asked to not only close any open accounts, but to sever all ties with the company completely due to their inability to provide anything approaching competent banking or customer service. I was advised by the representative with whom I spoke that the best she could do is close my account and add a note to my membership. 

This is unacceptable. Obviously the best course of action would be for them to reinstate the credit line that was closed due to their administrative error. If this is not feasible, I wish to have every relationship with the company terminated. Their inability to provide a path to either resolution I would consider satisfactory has caused me to open this complaint with the CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Conduent Incorporated
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX, 2021 I was reviewing recent transactions on my EPPICard account authorized by XXXX ( XXXX ) for unemployment insurance benefits. I noticed transactions on my account that were out of state and subsequently reversed by EPPICard. As I continued my review I noticed more recent out of state transactions that did not get reversed on XXXX, XXXX These unauthorized transactions were occurring in XXXX, Florida ; XXXX, Georgia ; XXXX, Texas ; XXXX XXXX and XXXX, New Jersey. My debit card remained in my possession and only the numbers were being used. I immediately notified EPPICard of the fraudulent charges on XXXX XXXX, XXXX. The total amount of the charges was {$250.00}. I filled out a fraud packet in a timely manner but the bank claims it was one day late to qualify for a provisional credit. They claim that they received it on XXXX XXXX, XXXX. I received the fraud packet from EPPICard on XXXX, XXXX and EPPICard said I needed to return it within 10 business days from the day of my initial call, which was on XXXX XXXXXXXX XXXX Upon the receipt of the required formal written complaint on XXXX XXXX, XXXX I was informed that I did not qualify for a provisional credit and that they have 90 days to complete their investigation. I have heard nothing in verbal or written form from EPPPICard and it has been 56 days and no provisional credit or response has been given. My understanding from my reading and according to their letter the investigation was to be completed within 45 days not 90. Numerous calls and emails were of no help. I've been hung up on, told they would call me back and never do, and emails never responded too. I need guidance as to how to recover my unemployment benefits that I so desperately need during the COVID-19 pandemic that has shut our country down. I was unable to screenshot my transaction history for XXXX of XXXX. They have not provided any copies of that month 's statement either as of this date which I requested in XXXXXXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Received an email from XXXX representing Ace Cash on XX/XX/2017 formatted like a legal document. Titled Garnishment Notification and Arrest Notice. Also, has XXXX with a seal at the bottom of the email.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
My information was shared illegally ( third party ) without my informed consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: CITIBANK, N.A.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have had a fraud block on my Citibank account since XX/XX/2020. I called and they stated via telephone that the account was due to be closed after 30 days. It has been more then 30 days. They still allow deposits into my account. They will not notify me via mail, telephone, or email about why my account is like this. I have had my stimulus check deposited into that account and I am not receiving any mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
About mid XX/XX/2021 I received a letter in the mail stating if I paid them a reduced price then the debt would be considered paid off and would be settled. I arranged for payment and was paid for deletion. It has now been 2 months and it is still reporting on my XXXX 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 2015-03-26
Company: DISCOVER BANK
State: NY
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I had an account with Discover Financial Services ( owners of Discover Card ) and due to economic hardship, I transferred that account to a debt management company to assist me with controlled monthly payments. I was making continuous payments to this program until I got laid off from my job and found myself in dire straits. The debt management company did relay the news to Discover and without my knowledge ( they only notified the debt management company and did NOT send me a letter in writing as per the law ) they ended their participation in the program and sold my account to a debt collection agency. Under the Fair Debt Collection Practices Act, they have reported inaccurate information to the credit reporting agencies stating that I abandoned the account when I in fact did not and also did not send me a letter in writing notifying me that they sold my account to a third party collection agency. I have sent Discover XXXX letters via registered mail and also did contact the New York State Department of Consumer Protection, but did not receive a reply from Discover after both approaches. They have refuse to return my calls and letters regarding my account and I require urgent assistance before I take legal action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12
Company: Midwestern Health Management INC
State: MO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had XXXX assistance for a XXXX with XXXX in XXXX XXXX Mo. When it was all done l received a bill for $ XXXXfrom northwest financial a company owned by XXXX. I went to thete office with my assistance they discounted. I made payment by check {$150.00} they avcepted. A week or so later they sent my check back to me refused payment said l owed more and was attempting collection. It is now on my credit report. I have all documents and the check l tried to pay but was refused. I do n't feel l owe this debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2021-03-12
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
According to Equifax, apparently I do not exist. I have an account, but it is no longer recognized. I can not get a credit report from them via XXXX, although I do from the other two agencies. While they have no problem assessing me a credit score, I have a thin file and they refuse to recognize me with their automated system, and I can not contact them otherwise. They ignore all letters. I sent them a letter on XX/XX/XXXX, no response. Another letter on XX/XX/XXXX, also ignored. And a letter requesting a 7 year fraud alert on XX/XX/XXXX. That was responded with a postcard saying they acknowledged the 7 year alert, and I would not have to notify the other two credit reporting companies, which I had already done. They did not respond to any of my complaints about having an account I can not access, that I can not get my credit report, and they have not responded to any prior letters. I am the victim of identify theft, due to a breach of a government server, and the monitoring agency that they assigned me said they have nothing but problems with Equifax. I have credit freezes with XXXX and XXXX, and no problems with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: AmeriCollect
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This is my second request for " validation of debt '' in regards to this account. Why am I having to send a SECOND REQUEST? If you are confident enough in the accuracy of this account 's content to report it to the credit reporting agencies, why are you unable to honor my request in a timely manner? This is a simple request of validation that should be easily provided and not a refusal to pay. Would you just pay anybody just because they said you owed them? 

I work too hard for my money to just hand it away without sufficient proof that I am the correct debtor and am being billed the correct amount. The fact that it is taking so long for you to validate, makes me think that you are stalling due to not having proper documentation. I am formally and once again requesting a validation of the aforementioned debt. 
I would like to see : Copies of any signed documentation obligating me to pay this alleged debt. 
The name, address, and phone # of the original creditor, since you are a third party collection agency. 
Proof that you are authorized to collect this debt on behalf of the original creditor. 
A detailed history of ALL transactions on this account including but not limited to all payments, refunds, interest, fees, etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: ALLY FINANCIAL INC.
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:
On XX/XX/2022 I applied for a credit card with Ally Lending for the use of potential services needed for the amount of {$1700.00}. I canceled the services I had an appointment for on XX/XX/2022 with the company XXXX XXXX stating I no longer wanted services. This cancellation was 72 hours prior to my previously scheduled appointment. I received a credit card statement from Ally Lending saying that I owed money for services I did not receive. I have contacted both Ally Lending and XXXX XXXX  of which no one was able to help me with the dispute. I have left several messages and still no resolution.

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 2022-10-08
Company: Sequium Asset Solutions, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an alert that a derogatory mark was reported on my credit report, but I have never received any communications from this company - " XXXX XXXX XXXX. '' I do not have any information or communications from them regarding the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have no legal or binding contracts with this company I have no debt or no money owed to this company as is a third party collections

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: Asset Management Outsourcing, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorized these enquires and ask for them to be removed.Credit Bureaus were contacted in XX/XX/XXXX & XX/XX/XXXX to remove enquires also

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: HEARTLAND PAYMENT SYSTEMS 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: Account status incorrect

Complaint:
XXXX is reporting this company on my credit report as a collections account : US DEPT OF EDUCATION XXXX # : XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX XXXX , PA XXXX ( XXXX ) XXXX Date Opened : XX/XX/2010 Balance {$700.00} I filed a dispute in XXXX   because this company does not own the loan, this loan was transferred to another lender. 

XXXX replied that I account was verified as mine they never read my dispute.

Company response to consumer: Closed with explanation