BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-24
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had an appointment with Wells Fargo mortgage on Saturday XX/XX/2017 and that lady from mortgage she did n't knowledge me, she treated the people that I was and her desk good and another person was waiting in the lobby and when it was my turn she did emphasize with me. I explain everything what is going now with my mortgage and she did n't encourage me to get a loan and she said is going to send me referrals for real state that day she even send those referrals. She saw I was XXXX and that 's way she treated me like that. I feel descriminated.

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 2020-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.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 2022-01-25
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have mailed Experian a validation of debt letter and have not received a proper response of pursuant to 15 USC 1692g. I also sent Experian a letter stating pursuant to 15 USC 1681b that I have given no such consent for Experian to host the alleged debt on my 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 non-monetary relief
Consumer complaint received 2020-01-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was at XXXX trying to buy a car today XX/XX/19 and when they ran my credit I was told that I did not qualify for a low-interest rate due to my credit being in bad standing. I had no idea that there were accounts reflecting badly on my credit before today because I always make sure to pay everything on time ; When I looked through the accounts, I immediately realized that they do not belong to me. These accounts were opened by someone else without my permission. I don't know who is responsible for this but I have already filed a police report. I did not make any payments towards any of these accounts nor did I gain anything such as money, goods or services from any of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: Square Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
1. ) Cash app permits and fosters unauthorized fraudulent transaction via unauthorized access to checking accounts and uncontrolled access via unauthorized debit card transactions by failing to adhere to banking standards which standards require active monitoring of transactions and restricting merchant transactions when abuse or unauthorized transaction history calls for the same. Cash App knowingly has allowed more than a 7 or 8 transactions from merchants with the intent to defraud. Cash App does not refund these losses and probably even gets a cut of the contrived losses as likely arranged with suspect merchants with which Cash App is likely working with, again to contrive losses, split the collected customer losses to boost their bottom line.

2. ) Cash app hid the underlying complaint ( see attached which dealt directly with fraud ). Cash App routinely does this to hide civil and criminal wrongdoing.

3. ) Without a doubt I believe CasApp knows about and enables money laundering and other financial crimes through its relationship with the judiciary in California, who access Cash app systems via known holes in third party " customer support '' and " technical support '' systems i.e XXXX and others, whereas such individuals access these systems and whitewash compliants to protect Cash App for which such individuals are afforded favors and cash from Cash app.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
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: Account status incorrect

Complaint:
Reporting unauthorized hard inquiries without my permission, a collection agency medical Chapter XXXX debt.

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 2022-06-11
Company: Nelnet, Inc.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
They double charged me and the promised that since I returned to school they would drop the first charge and only charge me for the return well they lied and double charged me can u please close this account satisfactory

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: CL Holdings LLC
State: MT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
When I contacted the company : regional finance company of New Mexico and Jefferson creditor capital systems, both companies told me they could not proceed with any further information because my name and birthdate did not match her Social Security number. It is my Social Security number! But, someone elses name and birthdate and address which is a PO Box in Arizona. I reside in Montana. The amount of the balance that is showing up on my credit is {$6300.00}. XXXX. My Social Security number was used without my knowledge. The debt owed is definitely not mine. I need help posting an alert to this fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Back in XX/XX/XXXX, I noticed on my credit report there was a collection account for {$1300.00}. When I realized that this debt represented a few hours stay at a local hospital, XXXX XXXX XXXX on XX/XX/XXXX. I had checked into this hospital due to breathing problems ( Not Covid-19 related ). From this hospital, I was transported by ambulance to the XXXX  XXXX in XXXX XXXX that same day. I did not have any medical/health insurance at that time. However, staff at the XXXX  XXXX assisted me with my application for XXXX and XXXX which was approved about 90 days later. When I got the approval, I placed a telephonic call to the XXXX XXXX XXXX and provided them with my XXXX XXXX number so they can receive payment for their services from XXXX -- -this was around XX/XX/XXXX. 

Imagine my horror when I discovered that the above -referenced medical-bill for {$1300.00} was now appearing on my Credit Report ( CR ) as a collection account. I immediately contacted the Collection agency, AR Resources ( see attached AR document ), and explained that this bill was already paid by XXXX XXXX Upon their investigation -- -AR Resources removed the collection account from my CR -- -this was back in XX/XX/XXXX. Fast forward today, XX/XX/XXXX, the same bill for {$1300.00} shows back on my CR but from a different collection company, XXXX XXXX, from XXXX, Texas. I immediately contacted their office and spoke to XXXX, XXXX XXXX XXXX, explaining to her this account was paid by XXXX back XXXX XXXX. She informed me that I would have to provide Proof of coverage and a copy of my XXXX XXXX XXXX -then she will remove it from my CR. 
Be that as it may, be, I do not trust XXXX XXXX, thus my instant complaint to CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-24
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have tried to resolve a credit dispute with Nelnet  for the past four months. I sent my last letter to Nelnet on XX/XX/XXXX  addressed directly to their CEO XXXX XXXX, and I have yet to receive a response to that letter. I am writing today in response to Nelnets response to a complaint I filed with the CFPB, claiming that Nelnet violated FCRA requirements by not responding timely to a credit bureau dispute I submitted to Nelnet on XX/XX/XXXX. I am hoping you can help resolve my issue.
On XX/XX/XXXX I filed a credit reporting dispute through Nelnets website, disputing past due payments reported on my credit report last year. On XX/XX/XXXX
, when I did not receive a response to my credit dispute from Nelnet, I submitted another credit reporting dispute through Nelnets website requesting that Nelnet remove any negative credit reporting because they violated FCRA dispute requirements. I saved a copy of both confirmations I received through Nelnets website, although I have to say their website provides very generic confirmations, which is why I print-screened to save the confirmation pages. In a letter dated XX/XX/XXXX from Nelnet, Nelnet denied any credit reporting inaccuracies and refused to remove any negative credit reporting. I then submitted a complaint to the CFPB because Nelnet failed to comply with FCRA dispute requirements, as Nelnet did not respond to my XX/XX/XXXX complaint within 30 days. Nelnets response to this CFPB complaint was that Nelnet did not receive a XX/XX/XXXX credit dispute, which is completely false. I have a copy of the confirmation page from Nelnets website, time/date stamped, from both occasions where I submitted a credit dispute. Included with this complaint are : - screen printed copy of confirmation I received from Nelnets website for my first credit dispute submission on XX/XX/XXXX, which Nelnet never acknowledged or responded to ( Nelnet claims they did not receive a dispute from me on this date, however, I have proof from their site that I submitted the dispute ) - screen printed copy of confirmation I received from Nelnets website for the second credit dispute I submitted on XX/XX/XXXX I am demanding that Nelnet eliminate all negative credit reporting in my credit file based on Nelnets violation of FCRA requirements. If this does not occur, I will contact my attorney to pursue further actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 was going over my credit reports Trans Union, XXXX, XXXX and found XXXX  XXXX # XXXX listed on my credit file. I have never seen this account before and I have never done business with this company. I seen accounts from XXXX XXXX, XXXX XXXX, all of which I have never done business with and never received any types of notification for a bill or account status. I have no ideal who has possibly compromised my personal information. I have filed a police 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 2022-10-03
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
On ( XX/XX/XXXX ), I wrote a letter informing the bureaus of inaccurate information on my credit report. Now to date over 30 days later I still have not heard back from them and feel like I am being taken advantage of. It clearly states in Section 611 ( a ) that after 30 days any items on my report not verified must be removed indefinitely. They have failed to do so. I demand that these items are removed immediately, if this matter is not handled I will be forced to push this matter into litigation due to the trouble I am having with this situation. My information was also impacted by the XXXX data breach a while back so my information could be in the wrong persons hands.

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 2022-01-25
Company: BARCLAYS BANK DELAWARE
State: OR
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:
After a call about faulty autopay features and a hopeful resolution, the company once again disabled my autopay and a {$30.00} total balance accrued a 70 dollars in late fees without any notice. I believed the entire card was paid off but only got notice after two billing cycles that there was a problem.

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 2022-01-25
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 XXXX XXXX, recently checked my credit report, and discovered I been a victim of identity theft. Per ftc, I was advised to fill out an ftc report and provide my identification. Please see attached documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-24
Company: DISCOVER BANK
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 filed immediate complaint w/ Discover Card about a VETRENARIAN VISIT advertising " free exam '' X/XX/2017 ( my pet ) never got physical exam, ( in my presence ) no call back on, XXXX XXXX results or diagonosis. nothing for over a month. ( my cat is male they said he was female, my cat is XXXX & has XXXX XXXX and they said he was n't like that when they saw him? ) Called/e-mailed this vendor, XXXX  XXXX XXXX MANY times. They said exam was done in the " back room '' where they took his blood? I filed a DISPUTE w/Discover Card # XXXX.Discover refunded me the $ ( {$88.00} ) at first then charged me back. The vendor sent them 7 pages of questionable /info on my cat.I NEVER SAW or GOT any of this from them, this is 2 months later ... The info they supplied Discover Card was wrong/lied, Discover Card is ignoring my Better Business Bureau complaint, the CA Vetrenarian Assoc. , complaint, numerous online complaints from others about this business and are taking sides w/ the BAD VENDOR .... XXXX does n't do this, they refund you bad vendor purchases w/ a string of complaints ... .I am NOT paying this bill ... .I still do n't know what is wrong w/y cat and DISCOVER CARD is USELESS in protecting consumers. pb

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To whom this may concern, I am writing to express some frustrations with my dealings with Equifax that has negatively impacted by ability to live my life and gain access to financial services. Specifically, Equifax has refused to provide copies of records, actions, and documents they relied upon during their investigation of a collections account marked as " XXXX XXXX XXXX ''. Which is a violation of California and Federal laws that state the consumer has the right to receive copies of the information the credit reporting relied upon in making their investigation determination. Previously, I have voiced my concerns to Equifax and in my original dispute letter I asked Equifax provide copies of the documentation that they relied upon during the investigation. However, Equifax has not responded to those requests. I also contacted and submitted a debt dispute directly to XXXX XXXX XXXX but they neither confirmed nor responded to my dispute and request for more information. As it stands now, both Equifax and XXXX XXXX XXXX are stating that the information on my credit report is valid but they have refused to provide me with any documentation, let alone a signature card, to show that they investigated these issues and that I am actually responsible for this debt. I have also asked XXXX XXXX XXXX to cease and desist contact with me but have continued to receive calls and collection letters. I respectfully reiterate my request that both Equifax and XXXX XXXX XXXX provide me with full verification of debt, with signed and dated signature cards accompanied by the full consumer contract and a history of the account statements. This information is needed to verify the validity of the debt. Equifax and XXXX XXXX XXXX can review my previous correspondence for more details on what information I am requesting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent several letters to credit reporting agencies and creditors requesting to remove inquiries that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: World Acceptance Corporation
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: Account status incorrect

Complaint:
Ive paid World Finance and the information is still reporting on my credit. As charged off and not paid in full. Ive been disputing this information since XX/XX/2018, and it has still not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX XXXX AND EQUIFAX CREDIT REPORTING AGENTS ARE IN FACT LISTING ON MY PERSONAL CREDIT REPORTS INACCURATE AND FRAUDULENT INFORMATION IN MY GOOD NAME. NOW DAMAGED. 
ACCOUNT NAME CREDITOR XXXX XXXX XXXX I NEVER OPENED THIS ACCOUNT. 
I HAVE FILED AN FTC REPORT AND CONTACTED XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent several letters to credit reporting agencies and creditors requesting to remove inquiries that I did not authorize.

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 2022-01-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
filed bankruptcy chapter XXXX in XXXX did not include my mortgage which at the time was regions mortgage. my loan then got sold to select portfolio services ( SPS ) and since then none of my payment history or loan information is being reported on my credit bureaus. SPS says they need a reaffirmation affidavit to report and my bankruptcy attorney says they do not that they just choose not to report the payments. i did ask SPS for a payment history which they provided for the past 3 years and am grateful for them doing that. when i called XXXX credit bureau they said they can not use this to report to the credit bureau. so i am back to square one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Several days now I can log in online or mobile but when I tap or click the personal checking account - it takes me to a blank screen, I have not been able to view my account activity, and the bank rep have not been able to help.

Company response to consumer: Closed with explanation