BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-11
Company: EQUIFAX, INC.
State: TX
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 recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. I've sent multiple disputes to Equifax and they refuse to verify these inquiries ( showing proof ) or delete these inquiries ( Below ). 


1. XXXX XXXX XXXX XXXX XX/XX/XXXX. 
2. XXXX XXXX OF XXXX XX/XX/XXXX. 
3. XXXX XX/XX/XXXX. 
4. XXXX XXXX XX/XX/XXXX. 
5. XXXX XXXX XXXX XXXX XX/XX/XXXX. 
6. XXXX XXXX XX/XX/XXXX. 
7. XXXX XX/XX/XXXX. 
8. XXXX XXXX XX/XX/XXXX. 
9. XXXX XXXX XX/XX/XXXX. 
10. XXXX XXXX XX/XX/XXXX. 
11. XXXX XXXX XXXX XX/XX/XXXX. 
12. XXXX XX/XX/XXXX. 
13. XXXX XX/XX/XXXX. 
14. XXXX XXXX  XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
After they called a few times I googled the number and it appears to be some sort of debt collector. They will not say why they 're calling and ask for personal information without explaining why. If I do n't answer they do n't leave a message. I have not received anything in writing about any debts owed, so if they are indeed debt collectors they either have the wrong number or have failed to inform me of what the debt is.

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 2018-06-28
Company: Synerprise Consulting Services, 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: Account information incorrect

Complaint:
Im writing this complaint is regarding a collection that has been added to my credit and I have been working with a representation name XXXX since XXXX. This is so unfair. I been provided wrong information and now this is effecting my life. Your company has added this collection to my account wrongfully. I have been working with XXXX since XXXX faithful every month. I would also like to point out that XXXX is a wonderful friendly person as well but I was advised that as long as I made a payment of the {$15.00} every month that the account wouldnt be added to my credit. When I seen it was reported on XX/XX/2018, I contacted XXXX and the only thing she could do was apologize to me. There were thing she told me that was the first time I heard any of them. We have spoken almost every single month since this was reported to your office. If I call and XXXX isnt available, I wait to talk to her because I love working with her. We have built a strong relationship. This collection has dropped my credit 40 point on XXXX, 25 on XXXX and Im not sure of XXXX because it hasnt been updated yet. I have held up my end of the agreement with XXXX to pay this balance and it isnt fair or right that your company isnt holding up theirs. Just like your company expects for a client to keep their word when they make promises to pay. Your company should keep the same trust to the client. The only thing I have had to go by was the word of your employee. I trusted your companys employee word. This account needs to be removed from my credit at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: AES/PHEAA
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
In correspondence dated XXXX XXXX, 2016, I received a notice from American Education Services stating that my Income Based Repayment plan had been recalculated. I lost my job in XXXX, so my monthly payment was recalculated to be {$0.00}. But I subsequently received correspondence dated XXXX XXXX, 2016, threatening that my loan " will default '' and that " we urge you to make payments to bring your loan ( s ) current. '' I contacted customer service and was told that because I did n't 'check a box ' on my IBR form, I somehow wound up in danger of getting into default. The explanation was inadequate but no further details were forthcoming. The representative was able to go into my account and retroactively 'check the box ' to bring my account 'current, ' and get me out of the potential default situation. But clearly they approved my IBR application, based on the XXXX XXXX letter. There was no explanation provided other than my 'failure ' to 'check the box. '??? I am left confused and angry as to why I suddenly received threatening letters from AES regarding a potential 'default, ' when I previously received a notification saying that my IBR was current and that I do not currently owe anything. I find the labyrinthine process that led me to this point INTENTIONALLY confusing and INTENTIONALLY harassing. The process of applying/reapplying for Income Based Repayment should NEVER result in threatening letters accusing the borrower of delinquency and threatening default.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-16
Company: AES/PHEAA
State: DC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have paid my private loan payments to my loan servicer, American Education Services, on time for about a decade. I asked about removing the co-signer on my loan, given that I have an exemplary record of payment and a steady income, and the company informed me that while they could do this for some loans, they could n't for mine. They offered no explanation, no alternative, and no mechanism for escalating the issue ; they just said it was a feature of the loan and not a function of my particular status. This seems like a pretty basic service that a payee in good standing should at least be eligible for. ( In my case, my co-signer has never been necessary for my loan, and the company continues to send the co-signer information about my loan, which is both puzzling and worrisome to my co-signer -- even though there is actually nothing to worry about. ) Their solution to my wanting to remove a co-signer that is no longer relevant to my account/status was for me to change lenders, which seemed like ridiculously poor customer service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-28
Company: WELLS FARGO & COMPANY
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have had an awful month. I 've been ripped off by a couple of retailers and filed complaints with my bank, Wells Fargo. Wells sent me a letter yesterday asking me to respond the day before. They said they had questions about my allegations. The amount I am challenging is {$130.00} This is incredibly insulting and infuriating. Furthermore, I feel as though the delivery of the letter was timed so that I would not be able to respond in a timely manner.

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 2017-02-22
Company: BBVA FINANCIAL CORPORATION
State: AL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Insurance was force placed on account. Proof of coverage was provided to prove auto was covered for the period of time insurance was placed. Insurance was faxed XXXX/XXXX/2017 and verified on XXXX/XXXX/2017 by insurance tracking department that insurance that had been force was canceled and we were due a full refund of the premium in the amount of {$910.00} on XXXX XXXX, 2017 called lender to see if refund had been received. The refund had not been received. Called back on XXXX/XXXX/2017 and spoke with lender and insurance tracking department. Both agreed refund had not been credited to account. Bank issued a maintenance request on XXXX/XXXX/2017 to credit the account for the refund. As of today XX/XX/2017 the refund has still not been issued. Customer service at the bank tells me to call insurance tracking which is a third party and insurance tracking tells me they have done their part and to call customer service. Just today I have held for over 2 hours being told it 's everybody else 's fault and no one will give me an answer. I have requested to speak with supervisor and get put on hold and no one will answer. I have requested the name and telephone number for a supervisor and get put on hold and no one ever gives me any information. I am getting the run around and I am tired of it. This has been going on for over a month and I want a resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-20
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
Wells Fargo shows my account delinquent and charged off. That is FALSE. The account is paid in full. The amount they show includes a fraudulent charge, which I have notified them about and they have ignored the blatant evidence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-18
Company: CREDIT ACCEPTANCE CORPORATION
State: IN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I received a letter dated XXXX/XXXX/XXXX from Credit Acceptance in regards to my initial letter to them disputing a credit inquiry that was on my XXXX credit report. They stated that this was confirmed. I never applied for any loan product with company or any affiliates. The inquiry is dated XXXX/XXXX/XXXX. I do not have any loans with them

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 2021-02-26
Company: Experian Information Solutions 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 received my credit report from you. It included the following incorrect information it will also be posted in the documents section. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2 accounts XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX And several addresses and hard inquries, they will be all highlighted in the report in the documents as well. These addresses are unknown to me XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX  XXXX XXXX XXXX My child support and doctor bills are showing up unpaid I will be posting receipts that they have been paid in full, I am enclosing a copy of my credit report with the incorrect data highlighted.I just received a letter from that creditor verifying that this information on my credit report is inaccurate and should be removed from my credit file. I have enclosed a copy of the letter, because I am a victim of identity theft its also multiple social security numbers on my account and my ex wife who I have been divorced from for over 10yrs info as well and it shouldn't be.

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 2021-03-20
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On Tuesday XX/XX/XXXX I tried to send a friend {$100.00} that I had in my CASH APP account! Ever since that day I haven't been able to log in AT ALL or use the card provided by CASH APP! I've spoken to support multiple times and they assured me I can sign in but I am unable to ... I have a current balance of {$2500.00} in the account and I'm not able to access my money to pay my rent which is due in a few days! ... cash app support told me to just delete the app and sign back in and I did but that just allows me to create a new account and not sign in my Main account which is cash tag XXXX XXXX which is attached to phone # XXXX And email XXXX When I try to send /receive money to XXXX XXXX Cash app says there is not account with that name but when I try and create a new cash app it states that name is unavailable! This makes no sense and I demand access to my account so i can withdraw my funds Name : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: SYNCHRONY FINANCIAL
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company has had more than enough time to provide me with a signed contract and needs to remove its information from my credit report immediately. My identity has been stolen so only a signed contract will do.

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 2015-04-26
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
RE : XXXX XXXX XXXX-PRIVILEGED AND CONFIDENTIAL INFORMATIONDear Consumer Financial Protection Bureau : In XX/XX/XXXX, I became aware of an annual interest payment check ( Wachovia check number XXXX, Account XXXX, Amount {$1.00}, dated XX/XX/XXXX ), For Interest on rent security deposit, No void remark time limits written on check. 

In XX/XX/XXXX I had dual residency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. During that time I never received an annual interest payment despite XXXX XXXX through XXXX mandate : " landlords must pay annual interest amount to tenants. If the tenant is going to apply the security deposit to rent because the landlord failed to pay the annual interest in CASH to the tenant or failed to provide the tenant with the annual update of the account information, the landlord has XXXX days to rectify these failures. " My security deposit ( totaling {$750.00} ) was never returned to ME, XXXX XXXX XXXX, and I never received any annual interest payment or knowledge of the XX/XX/XXXX check amount until XX/XX/XXXX. This same apartment complex, XXXX managed by XXXX illegally evicted ME, XXXX XXXX XXXX. The eviction is masqueraded as a legal judgment of possession but the judgment of possession is ILL GOT AND ILLEGAL, the warrant of removal is ILL GOT AND ILLEGAL BECAUSE THEIR LAWYERS XXXX XXXX and XXXX XXXX NEVER EFFECTUATED SERVICE OF PROCESS MEANING : I never received a complaint and summons and if I do not receive a complaint and summons how then can I properly defend Myself or inform a designated Representative to defend Me, XXXX XXXX XXXX, if I do not know the date, time, or venue. Lawyers XXXX XXXX and XXXX XXXX are ( located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Phone : XXXX, fax : XXXX ) have caused ME, XXXX XXXX XXXX, great unnecessary grief and sorrow. 

Since that time Wachovia is now Wells Fargo. I have attempted on several occasions to deposit and or cash the check totaling {$1.00} AND ALL INTEREST SINCE XX/XX/XXXX to no avail. I have contacted and followed through with the state XXXX escheatment protocol to claim any monies unclaimed by Myself, and XXXX is still not cooperating under the leadership of XXXX XXXX XXXX. When are you going to learn.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10
Company: Conn's, Inc.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Conn 's Credit Corporation refuses to honor contract they wrote and entered into with me on XXXX XXXX, XXXX. I have made all required payments under this contract with Conn 's as agreed. However, the company is causing harm to me by repeatedly reporting my account as past due to the credit bureaus, threatening legal action, and refusing to honor my requests for a full accounting of all payments I have made to them since the establishment of this new contract. I have made all payments using cashier 's checks or money orders and I sent the payments via USPS with tracking numbers, so I could verify receipt of the payments. I have already written the company twice regarding this situation ( XXXX XXXX & XXXX XXXX ) asking them to update my account with them and correct their credit reporting. When I initiated a online dispute with XXXX earlier this year, stating that the account number about which Conn 's is reporting is a closed/invalid account, they upheld the fraudulent reporting by Conn 's. I am sending another letter today to Conn 's and all XXXX credit bureaus to request the correction of this information immediately. I received XXXX letters from local attorneys in XXXX offering to represent me in a civil lawsuit allegedly filed by Conn 's. The letters indicated that Conn 's filed a civil lawsuit in the XXXX XXXX XXXX Court of XXXX County, Texas on XXXX XXXX, XXXX. To date, I have not been served by Conn 's or received any official notification of this lawsuit and it appears the filing was a threat or scare tactic to harass and intimidate me. The entire matter has taken a toll on me personally, financially, and professionally. Despite my efforts to pay my debts in a timely manner, my credit scores have fallen to a point that makes it difficult for me to refinance current debt, provided greater financial assistance to my family, seek greater professional employment, and Conn 's refusal to provide the account information I have requested has caused levels of stress that are affecting me physically as well. I have maintained records of my payments and copies of the correspondence sent to Conn 's.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-22
Company: The Receivable Management Services LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
REFUND WAS MADE TO THE XXXX AND STILL TRY TO COLLECT THE REFUND.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-17
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Had a death in my family ( son ), my husband could not deal with that PLUS both mine and our other son 's XXXX so he filed for divorce. He left the house and I did n't know his whereabouts. The mortgage was deducted from his paycheck, he had all he mail forwarded.I did n't know that he had stopped paying the mortgage until I received notice that house was being foreclosed on. I tried everything in my power to get a loan modification but was turned down " for all their programs ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-13
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I signed up for a Barclay 's CC in order to buy an iPhone from XXXX. I was approved and made the purchase. It required me to set up an autopay via my bank account. On my second autopay, there was not enough money in my account to make the payment. Barclay 's payment system flagged my bank account and wo n't let me use it to make payments any longer. They wo n't take a debit card or a credit card. I do n't have another bank account to make a payment. I 've written them twice and they 've basically blown me off. Meanwhile they 're sending late payment reports to the credit agencies. Effectively they 're forcing me to go out and open another bank account in order to avoid late fee 's and negative credit reports. I do n't want or need another bank account. I have notified them that I have money to pay them twice and asked for them to reinstate my bank account as a payment method twice.

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 2015-10-20
Company: WELLS FARGO & COMPANY
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My wife and I have asked numerous times to stop calling us at work. 
When the call 2-3 times a day, the do not leave the name of the rep only XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I contacted Wells Fargo Mortgage to discuss with them about going back to school and possibly modifying my home loan. I was informed it had to be delinquent. I was also made known it would proably take a couple of weeks. I immediately submitted to them all the documentation requested. 
I was asked XXXX time to submit a document after the initail submission and I did the very next day. 
The XXXX date of contact was XXXX. The Bank took as long as possible dragging my credit into a bad negative rating. I was told approx. 2 weeks. My XXXX payment was due XXXX XXXX 2014 for the XXXX Modification payment. I called and called and called. They did not care. They sent me {$1000.00} for the inconvience. I ask them to correct my credit because its their fault! They have said they would listen to recordings and get back to me. I have received numerous letters informing me it will take longer. If they listen to the recordings they will see I am correct! I signed a letter stating it would affect my credit, Yes but 1 month not XXXX. The represenative working with the modification said on a recorded message 2 weeks. I want my credit report as well as my brothers ( XXXX XXXX ) whom signs on the loan with me to be leagally corrected. 
They have ignored XXXX lied about this issue over and overXXXX XXXX XXXX

Company response to consumer: Closed with explanation