BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-22
Company: Universal Account Servicing, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
When trying to order an air freshening device through a company called XXXX, a customer service rep contacted me directly and convinced me to switch the order to a subscription service for the oils required in lieu of paying for the machine outright. 
I agreed to a " soft credit check '' and the customer service agent said there was " no contract '' and I could " cancel any time. '' I signed the appropriate paperwork and she initiated a refund for the cost of the device. 
I discovered very quickly that I would never use the allowed amount of oils shipped and attempted to contact the company regarding cancelling the subscription starting XXXX. It was delivered on XX/XX/25 and they apparently have a " 14 day trial period. '' I called and emailed again about 5 days later. No response. I sent another email the next day and called. I got a promise of a supervisor contacting me. No response. By the time I got someone on the phone it was now past the 14-day trial period and I am being told that I can no longer cancel the subscription and it will last for 36 MONTHS. 
I am willing to pay for the cost of the device. This company is giving me the run around. I want this payment cancelled.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
In exprian credit report I never ever seen that XXXX XXXX XXXX XXXX. Pls tell them I need evidence about this personal loan document n other XXXX XXXX  company also too.when i lost my text file important document book XXXX.after that to still im facing problem one after another.and many address, name, job I found in my exprian credit report account that I don't know. I beg to managment release from this issues n take action as soon as possible. Thanks

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 2023-12-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: In progress
Consumer complaint received 2022-08-29
Company: Genesis FS Card Services, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
The account was paid in full in XX/XX/2022. Also in XX/XX/2022, I was billed fraudulently. I reported it in XX/XX/2022 when I received my statement with a balance and saw the purchase I never made. Since then, I have contacted them almost every 2 weeks and they keep telling me they are working on it. Each month they continue to report to the credit bureaus my account is past due. It is now the end of XXXX and I have no resolution. An attorney is now my next steps. Absolutely the worst Customer Service/Freud department XXXX Their staff, no matter who answers, is always difficult to understand as well. STAY AWAY!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
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:
Regardless of the multiple written requests, the unverified account listed below is stil lreporting on my credit report in violation of federal law. The 3 Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the account in my Credit Report : 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 2023-02-21
Company: EQUIFAX, INC.
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:
On the above date and approximate time, XXXX XXXX XXXX positive Identified by Illinois Driver License # XXXX Victim of Identity Theft. XXXX XXXX stated he noticed fraudulent activity of his credit report and didnt give permission for anyone to open and establish a XXXX XXXX XXXX account nor purchase a vehicle. XXXX XXXX also provided information that he was stationed in the XXXX XXXX XXXX XXXX XXXX on active-duty status from XX/XX/XXXX, through XX/XX/XXXX. XXXX XXXX stated he noticed that fraudulent activity when he started to receive information about the purchase of a vehicle. On the date of XX/XX/XXXX ( offender ) unknown at this time. Opened a XXXX XXXX XXXX account # XXXX without the knowledge and permission of XXXX XXXX XXXX in the amount of {$15000.00}. Using an expired Illinois Driver License of XXXX XXXX XXXX that was turned in to the Illinois Secretary of State Office. The offender was able to purchase a vehicle from XXXX XXXX of XXXX on the above date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Chime Financial Inc
State: TX
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:
Im banking with chime. On XX/XX/22 I paid my rent {$800.00}. On XX/XX/22 XXXX ( Who I pay my rent to ) deposited {$800.00} In my account. I never received an email, phone call or text from anyone at XXXX  or the actual rent office, so I started spending the money. Around XXXX on XX/XX/22 XXXX charged my account for {$800.00}, twice. XXXX is saying they have no proof. So this is when I called Chime customer service and they let me know they did in fact charge my account. ( Conservice is also asking me for proof with my bank ) Ive talked to the people at chime over 5 times and each time they all tell me that they do see the charges and they they are escalating the issue to upper management they told me that I shouldnt have to wait on the ledgers Ive asked and emailed about. I started this process on XX/XX/22 and I still havent heard anything yet. Please help me. Were going to be homeless if I dont get that ledger.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Debt does not belong to me and is showing on my credit pass 7 years. Equifax & XXXX is showing a XXXX XXXX inquiry on my credit and should be deleted and removed from my credit report. two accounts are affecting and hindering my credit and opportunities greatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage is in active foreclosure. With the assistance of my attorney I applied for a loan modification. After submitting all of the documents requested the application was denied for insufficient income. The income that they used to review the loan was incorrect. They calculated the gross monthly income to be XXXX. We appealed the decision and enclosed proof that the monthly income was actually XXXX per month, not XXXX. The application was immediately denied again simply stating that they are standing behind the original decision.

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 2022-11-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Chase back has raised the interest rate for my account from 22 % APR to an astonishing 25 % APR. In my current situation, the 22 % APR was barely manageable. Chase failed to disclose this interest by means of notification. I log into my account to budget payments and saw the change. I called chase and they offered to send me a letter stating the increase. I stated the letter should have been sent before the increase, a letter now is useless since they made the change. I spoke with a supervisor and request a lower interest rate since the 25 % is ludicrous. He said that the rate was tied to the fed increase in interest rate. I find this to be faulty logic since my account is with Chase not with the Fed. I understand that the Fed increase will hurt their business but that does not mean that can raise my interest rate with out any notification. 

My next steps is to transfer the balance to a low interest rate credit card that will be manageable. I would for Chase to admit their mistake, stop this practice, and offer a monetary compensation for my frustration. For nearly 8 years I was their customer and made all payments on times. I accepted the interest fee on my accounts as part of the agreement I made. It is unacceptable for them to raise my fees with out so much of the courtesy to notify me, yet they always send emails for me to transfer balance at 0 % or to use the card at certain stores.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Experian Information Solutions 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:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX  XXXX XXXX XXXX  XXXX Balance : {$530.00}.

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 2023-07-11
Company: Convergent Resources, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
While monitoring credit reports, I received a notification of a collection account from XXXX XXXX for {$3300.00} reported to collections on XX/XX/2023. This is not my account. I have never had wireless service with XXXX ; I am with XXXX and was with XXXX prior XXXX 

The account was opened on XX/XX/2023, closed on XX/XX/2023, and reported to collections with XXXX XXXX XXXX on XX/XX/2023. Again, this account does not belong to me. 

I have spoken with XXXX at Convergent Collections, and she instructed me to file this 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 2022-08-29
Company: Awar Holding Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I HAVE CONTACTED AND DISPUTED THIS COLLECTION WITH THIS COMPANY AND THE CREDIT BUREAUS MANY TIMES. THEY KEEP VALIDATING IS AS MINE FOR A HOSPITAL BILL XXXX XXXX THAT I KNOW NOTHING ABOUT. FURTHERMORE I HAVE HAD FULL MEDICAL COVERAGE FOR MANY YEARS AND WOULDNT BE ASKED TO PAY OUT OF POCKET FOR THIS. THE DEBT KEEP BEING SOLD TO NEW COMPANIES AND WHEN I CALL THEY VERY RUDE, INTRUSIVE AND ABUSIVE TELLING ME ITS MY DEBT AND GIVING ME LITTLE TO NO INFORMATION. I AM FED UP WITH THEYRE CONSTANT CALLS AS WELL

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
My information was released to the public in the XXXX data breach years ago which caused someone to open up a lot of unauthorized accounts. I submitted all of my proper paperwork to the credit bureaus a year ago but the willfully ignored my disputes and continued to report and furnish these fraudulent accounts on my credit report. i need these removed immediatly becuase they are ruining my reputation with the banking system

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
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: Account status incorrect

Complaint:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please ELIMINATE the following accounts completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: Conn's, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I spoke with XXXX XXXX XXXX XXXX on XX/XX/XXXX about derogatory marks that were made on my credit with all three Credit Bureaus. The employee I spoke with Employee Number is XXXX. I explained that I had NOT receive any notice about my account being due for quite some time. I moved to XXXX GA six months ago and since that time I have not received any calls or communication from them.

I originally opened this account on XX/XX/XXXX. The original balance was {$3300.00}. The current amount that is due is {$540.00}. I asked Employee XXXX  why I had not been notified either through mail or e-mail about my current amount due. I was informed that XXXX XXXX XXXX XXXX  does NOT mail any statements to consumers. It communicates via email. I asked what e-mail address was on file, and Employee XXXX confirmed that the email address on file was INCORRECT. It appears there was a keying error by Conn 's.

The account has been reported as more than 130 days delinquent. As a result I was turned down for credit due to these deragoratory remarks.

I want the derogatory remarks REMOVED IMMEDIATELY. I was told that the only department that handles these requests is known as the " Offline Department '' and they do NOT take calls or communicate directly with consumers. I don't believe this is a fair trade practice and possibly deceptive. I don't recall being informed that decisions are made about my credit file by a department known as " Offline '' who will not take direct calls.

Employee XXXX  initially told me that she would forward my request in her own comments to this Department. I asked for a summary of those comments and she said that she had not written them yet. I explained that I can wait until she finishes because I'd like to understand what is being stated on my behalf. She asked me to hold on. About a minute later, Employee XXXX  relayed that her Team Leader instructed her to provide me with a Fax Number to the " Offline Department '' to submit my request. The fax number I was given is XXXX XXXX XXXX XXXX. I asked if there was an email address and the response was, no.

I have NO idea as to how long this can take. But my credit reports remain damaged and I do not feel that my consumer rights have been preserved by XXXX XXXX XXXX XXXX. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, my desktop computer was hacked by scammers without my knowledge or consent. They hacked into my Wells Fargo Bank savings and checking accounts and transferred {$40000.00} from my savings account to my checking account without my knowledge or authorization. The Electronic Fund Transfer Act, a law passed by Congress in XXXX, protects consumers from, among other things, Unauthorized Electronic Funds Transfers. 
On the date cited above, I received an email claiming to be from the XXXX XXXX which said that {$430.00} had been debited from my checking account to renew a PC support service. The email provided a phone number to call to cancel the service and get a refund. I called the number, and the scammers led me in filing out two online forms to get the {$430.00} refunded. When I attempted to fill in the refund amount on a box in the second form, instead of populating {$430.00} it populated {$40000.00}. The scammer said that the only way to fix the mistake was for me to send a wire transfer to reimburse XXXX XXXX for the over- payment of the refund. He provided information about a XXXX XXXX  account to wire transfer the money to. I foolishly went to a Wells Fargo branch and sent a domestic wire transfer of {$39000.00} to this account. 
The next day, XX/XX/XXXX, I discovered that my savings account was {$40000.00} short. The scammers had hacked into my bank accounts and transferred {$40000.00} from my savings account to my checking account without my knowledge or authorization. Also, I learned that {$1000.00} was transferred from my checking account to somebody named XXXX XXXX without my knowledge or authorization. I have never heard of this person. 
Here are the actions I have taken ; 1. I reported the incidents to a local Wells Fargo branch and to the Wells Fargo Bank Fraud department. I also had the bank open new checking and savings accounts. 
2. I reported the incidents to the Federal Trade Commission. ( Report attached. ) 3. I filed an IC3 report with the FBI. ( Report attached. ) 4. I reported the incidents to the XXXX XXXX XXXX XXXX XXXX ( Report not attached. ) The Wells Fargo Online Fraud Claims department researched the incidents I have described. Wells Fargo credited {$1000.00} back to my checking account for the unauthorized transfer to XXXX XXXX. They did nothing beyond this and declared my claims to be closed. 
Note : None the categories in Step 2 of this complaint accurately describe my issue.

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 2022-05-13
Company: Experian Information Solutions Inc.
State: NY
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:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the account in my Credit Report : XXXX CT 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 2020-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Since XX/XX/2019, I've mailed each bureau about 3 times to fix some incorrect information on my credit report. The incorrect information is still displaying on my report. I also asked them to tell my how they verified each item and the credit bureau has failed to do it. It's been pretty frustrating seeing incorrect collections hurting my score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent this company several letters asking them to verify this debt or remove it from my account. What they sent me back was just a letter with itemized charges that I allegedly owed. Theres no signed contract with my name or anything. That does not meet the federal trade Commissions guidelines of what constitutes proper debt validation! 
You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation