BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-25
Company: McKenzie Paul & Associates
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Back in XXXX I had an XXXX XXXX that required the rental of a passive motion device and a sheepskin pad. At the time I thought that my health insurance had covered the charges, but a year and a half later I got a bill ( XX/XX/XXXX ) in the amount of {$100.00}. I was still trying to sort out the details of the charge with my insurance company and XXXX XXXX, the company that provided the passive motion machine, when I received a letter from Mckenzie Paul and Associates requesting immediate payment otherwise my account would be reported to credit bureau. I then contacted XXXX XXXX and paid the {$100.00} on XX/XX/XXXX directly to them and they told me that they would remove the debt. However, I continued to receive letters from McKenzie Paul and Associates and harassing phone calls. The last call I received from them was in XXXX. I told them to stop calling me and sending me letters because the debt was already paid. They demanded to get a check # or the number of the credit card I used to pay. I told them that they needed to contact XXXX XXXX and that I would not provide them with that information. I also told them to stop calling me or I would report them to the CFPB. I am still receiving letters in the mail trying to collect the {$100.00} that I have paid.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
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: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have a HELOC account with Citizens ' bank. I do make interest payments monthly. I also make payments to the principal. Interest payment is an automated payment that is debited from my checking account with Citizens. 

Outstanding balance on the loan varies throughout the month. Interest due is calculated based on the daily average. But I am making principal payments multiple times a month. Due to these payments, the interest calculated by the bank is not the actual interest owed by me for the month. Other banks recalculate the actual interest applicable when payment is received and apply the remaining amount to principal payment. This was the procedure followed by XXXX XXXX and XXXX This is not being done and the bank is doing illegal practices by applying the entire amount to interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Experian Information Solutions 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:
XXXX Account Number XXXX ( needs to be removed ) XXXX15 U.S. Code 1692e - False or misleading representations XXXX Account Number XXXX ( showing different account number not accurate ) 15 U.S. Code 1692e - False or misleading representations XXXX XXXX ( identity theft ) Account Number XXXX ( please removed ) 15 U.S. Code 1692e - False or misleading representations XXXX 15 U.S. Code 1692e - False or misleading representations Account Number XXXX ( removed )

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 2022-03-22
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an XXXX  company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this XXXX XXXX n now im XXXX  n cant XXXX to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
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: 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 2023-01-21
Company: GreenSky, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
In 2018 we had a meeting with a sales rep from XXXX by XXXX. We needed replacement windows in the home we had just purchased. When we told the rep how much we could afford he told us we could take out a no interest, no payment for a year loan. We filled out the paperwork and agreed to borrow {$36000.00}. Not long after my husband was laid off from his job and we contacted Greensky and they told us over the phone it was no interest and no payments so we didn't need to worry. It was not until it was to late that we discovered we were actually being charge interest and it was only if we paid of the loan entirely that we would be free of interest. The loan interested ballooned and with the added lose of income due to COVID and my husband being called up for XXXX XXXX with the XXXX XXXX XXXX we have struggled to make any progress on the loan. We have called many times to try and get relief related to both of these issues but Greensky representatives have refused us any relief. Only when we said that we were going to file a report with CFPB did they say they would do an investigation. Now they say they have finished their investigation and they say we still owe {$15000.00} at an interest rate of 24 % that will continue to able to the balance. To date we have paid {$51000.00} total on a loan for {$36000.00} and there is no way we will be able to pay off the remaining balance without more interest applying.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: Winklevoss Exchange LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I opened an account with Gemini on XX/XX/XXXX and deposited {$500.00}. I have uploaded my personal documents for verification, which on their website is indicated to take 5-7 days. As of now ( XX/XX/XXXX ), the status is still " pending verification '' and I am unable to withdraw my money. 

I have contacted the company multiple times in the past 2 weeks and received no reply. I have ultimately requested that they close the account and return my money and still received no reply. I am suspicious that this is a scam for the company to take away the money that I have deposited.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Commenity bank continues to run credit inquiries for retail credit cards. I have contacted them multiple times and told them never to even run my credit because I will never have any of their cards. No matter how many times I've told them any attempt for one of their cards is fraud, they run it anyways. They ran it again today XX/XX/XXXX and attempted to on XX/XX/XXXX. I want it to stop. Also I do not want any cards issued in my name especially on the inquiry from today!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31
Company: Agency of Credit Control
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
They never properly identify themselves on the phone.The phone number is XXXX and they say they are from XXXX XXXX XXXX. I have never had an account with them. They have never sent a dispute letter or any type of correspondence verifying the debt. Spoke to them about sending information, but they refused to verify any information. Also, advised them that I was a senior citizen with only social security as income. So I think the debt is not ours. They also never sent a letter verifying debt or the right to dispute. I asked them to stop, but they continue to call. They keep leaving messages as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Continuously harassed via telephone for old debts that were fraudulently opened as a result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 have tried on several attempts to have a falsely reported bankruptcy removed from my 3 credit bureaus.

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 2023-10-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Credit Bureaus have never responded to my multiple emails since XXXX. I have been expecting their correspondence for the past XXXX  days, however, until now no updates have been provided from these agencies regarding these accounts below : XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX Account # : XXXX XXXX. XXXX XXXXAccount # : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX. XXXX XXXXAccount # : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX. XXXX XXXX XXXX ..Account # : XXXX ( Original Creditor : XXXX XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Wells Fargo Bank financed my car in 2011. They were overcharging me and my interest went up. I paid my car payments on time and I was able to payoff my car. I do believe Wells Fargo overcharge me on many occassions.

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 2022-02-15
Company: CCS Financial Services, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: INVESTORS BANK
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened the checking account on XX/XX/XXXX with the bonus offer : " {$250.00}, {$25.00} per month for 10 months. Reward payments will cease at the earlier of reaching {$250.00} total or 11 consecutive cycles from the date you opened your account. To be eligible to receive monthly bonus you must satisfy the following transaction activity requirements : have an ACH deposit to your account of {$500.00} or more during your statement cycle ; OR, complete 10 Point-of-Sale ( POS ) transactions during your statement cycle, using your YourStyle Visa Debit Card linked to your account. " Until XX/XX/XXXX, the 11th consecutive cycle ended, I had 10 cycles with equal or more than 10 POS transactions in each cycle ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). I only missed the XX/XX/XXXX circle, which is because the bank made the statement date two days earlier than usual. ( I called the branch and they explained that because XX/XX/XXXX is Sunday. So they made the XXXX/XXXX/XXXX the statement closing date, instead of XX/XX/XXXX. According to the thumb of rules, in such a situation, the statement closing date should be postponed one day to Mondy, instead of ahead of two days to Friday. This not only caused me the {$25.00} bonus not posted but also I was charged $ XXXX monthly maintaining fee. ) On XX/XX/XXXX 's statement, which is the 11th consecutive circle, the 10th {$25.00} bonus should be posted. However, it was not. I online chatted and the agent confirmed that {$25.00} should be posted on the statement of XX/XX/XXXX. I have the screenshot of the confirmation. She said I need to contact the branch to let them manually correct the error and give me the bonus. But the branch never responded. The bank 's service XXXX. Wasting my time without solving such a simple problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Your recent claims have cast a significant shadow over my financial standing and have the potential to inflict severe harm on my creditworthiness. It is of utmost importance that we expediently and accurately address this situation to prevent any further repercussions. Moreover, I MUST EMPHASIZE THAT I VEHEMENTLY REJECT YOUR POSITION TO DECLINE MY IDENTITY THEFT CLAIM!!! The authority to determine whether I have been a victim of identity theft rests not with your organization but with the established legal processes. Your authority or legal standing does not grant you the right to make such a claim on my behalf. To substantiate the seriousness of my identity theft claim, I am providing you with a legal law enforcement agency report, which was filed with a federal agency. I anticipate that we can resolve this matter within the required 5-day timeframe. Items : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Please delete these items ASAP.

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 2022-02-19
Company: JPMORGAN CHASE & CO.
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 am writing to request a correction of the following information that appears on my XXXX  consumer report Explanation of item being disputed : A JPMC company credit card account is associated with a separate corporation has started to be listed on my personal XXXX credit report. I am not personally liable for this account. However, even though I am not personally liable for this account, JPMC are now reporting this account on my credit report and demanding payment from me. I have previously requested that they provide me with documentation establishing that I am personally liable for this account, such as a contract or card agreement, but they have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Experian Information Solutions 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 information incorrect

Complaint:
I notified XXXX XXXX XXXX XXXX that I want verification of the debt they state I owe by providing the following : - ( actual accounting of mortgage loan debt ) from date of origination of loan to current date -verification of the claim against me ( an invoice signed by the mortgage bank ) -a copy of the original contract binding both parties ( XXXX XXXX XXXX and mortgage bank lender ) -signed contract stating I agreed to pay what they state I owe - how this amount has been calculated in a way that I can understand -full disclosure statement that was provided when loan was originated which outlines -equal consideration and lawful terms and conditions XXXX  provided the name of XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX as the owner of mortgage. XXXX, XXXX has not provided all of the information I requested regarding this debt. This company continues to report this information on my credit report without providing its validity after I informed them in writing that I dispute this debt. They are in violation of Fair Debt Collection Practices Act 15 USC 1692 ( a-p ).

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 2021-03-14
Company: Carter-Young, Inc.
State: AL
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 sent Carter Young Inc. an debt of validation letter on XX/XX/2021 and XXXX XXXX, 2021. I haven't received any information about but they still reporting on my credit report every month. I ended to an pay to delete letter on XX/XX/2021 and still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX, XXXX XXXX To whom it may concern, Ive already sent letters and spoke with the creditors asking them to remove these late payments with the dates as follows ( XXXX & XXXX ) and they have not abided by what I have requested. XXXX XXXX XXXX XXXX have also violated my consumer law because they never gave me the option to opt out from reporting this information to a third party. 
The law 15 U.S CODE 6802 B Obligations with Respect to Disclosures of Personal Information states ; except as otherwise provided in this sub chapter a financial institution may not directly or through any affiliated third party any non-public personal information unless such financial institution provides or has provided to the consumer a notice that complies with Section 6803 of this title. 


I demand these two late payments removed! 
Thank you. 
XXXX Creditor : XXXX XXXX XXXX XXXX  ACCOUNT number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief