BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-06
Company: Aldous & Associates, PLLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company is abusing since I have more than two months fighting with this problem with this account opened for fraud. I contacted them. They asked me for a police report. They ask for a police report and they do not have the evidence or documents that allege that it is mine, it is an account opened for fraud and they do not want to help me solve this problem I will have to be legally current here I notify CFPB and yes

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Experian Information Solutions Inc.
State: NJ
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX15 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.15 U.S.C . 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-11-06
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Here are the details of the case : I signed up the Amex card based on an offer at XXXX Amex 's payment process that they ask for my bank account and routing numbers to withdraw from my account. 
However, XXXX blocks that payment because the Amex Payee ID is not approved by me. That is standard process at XXXX ( else anybody can fraudulently withdraw from my account ) There is no way for me to pre-approve the Payee ID because the Payee ID is not clear to anyone Amex has two different Payee IDs - 1 ) Auto Pay Payee ID and 2 ) Regular payment ID.

BOTH these payee IDs have to be rejected ( i.g. Payment returned ) before I know the Payee ID can be approved by XXXX and regular payment processing can happen This is exactly what happened i.e. the payee IDs were approved and now the payments are going through fine. 
I got a call out of the blue by an Amex rep on XX/XX/2021 at ~XXXX XXXX EST saying that they are going to shut my account down after a financial review. The rep was hesitant to explain what the underlying issue was I had to ask him why and then he explained that it was because the payments were returned I had explain the payment returned issue because of the Payee ID ( outlined in the above points ) He then said he can review with his supervisor and hold the account being closed but the charges can not be made I had explain to him that this card is linked to on and on file for many critical needs and you can't just call up someone out of the blue and just shut someone's card down without giving an explanation. This is like shutting down your electricity He put me on hold and then went back and then said that the charges can also go through now I am not sure what process Amex is running in their back office and customer service operations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: WELLS FARGO & COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
1.I have never had an account with this company WELLS FARGO , REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are WELLS FARGO the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

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 2022-04-02
Company: Experian Information Solutions Inc.
State: MI
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I HAVE BEEN DEALING WITH THIS ISSUE FOR WELL OVER 13 MONTHS. I HAVE FILLED SEVERAL COMPLAINTS. TRANSUNION DROPPED MY CREDIT SCORE ON TWO OCCASIONS, REASON THEY-STATED : I APPLIED FOR XXXX CREDIT CARDS IN THE SAME DAY. { I AM IN THE HOME BUYING PROCESS I WOULD HAVE NEVER DONE THAT } NOT AT THIS TIME, AND THEN ON THE SECON TIME THEY STATING THERE WAS XXXX INQUIRIES MADE ON MY CREDIT. ALL OF THIS WAS DURING THE TIME WHEN THERE WAS A FREEZE ON MY ACCOUNT. WHAT IS SO OFFENSIVE IS THAT THE LIST OF COMPANIES THAT THEY STATE I SUPPOSLY APPLIED FOR CREDIT WITH I HAVE HAD CREDIT CARD WITH THOSE COMPANIES FOR WELL OVER 6-10 YEARS IN SOME CASES. I FEEL THAT ALL THIS IS TRANSUNION IN RETALIATION TO A PRIOR LEAGAL MATTER THEY AND MYSELF WERE INVOLVED IN SAUGHT-OUT TO DESTROY MY LIFE. MY SCORE WENT DOWN FROM A XXXX-ISH FIGHTING XXXX THE FIRST TIME. I GOT IT BACK UP. THEY DROPPED IT AGAIN, IM TRYING TO RESTORE IT FOR THE SECOND TIME. THIS IS WRONG

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 2019-09-03
Company: HEARTLAND PAYMENT SYSTEMS INC
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Heartland ECSI has harassed me and tormented me through their debt collection protocols and policies. They have no interest in fairly servicing the loans on their books, and their staff are venal, unhelpful, and downright vulgar in their professional activity and behavior. Their staff have routinely shown themselves to be ignorant of the grounds upon which a student must be approved for deferment, and attempts to seek clarification are unsuccessful due to dreadful customer service. 

Additionally, Heartland ESCI drags its feet on such approvals, so as to charge additional fees. It takes actions in the interests of its profits motives, and when federal law conflicts with those profit motives, its profit motives prevail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: WELLS FARGO & COMPANY
State: PA
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:
On XX/XX/XXXX, I submitted a dispute request to all three major credit bureaus, regarding a Wells Fargo Home Mortgage account. The account, the date of first delinquency was in XXXX. I requested the item be removed as it surpassed the 7 years for a negative item showing on credit report. 

I received results that still show the account on my credit report, however, they changed the delinquency date in order to allow it to remain. Wells Fargo even added a few more errors. I even provided written evidence from Wells Fargo and they still cant fix the error. 

Right on the letter it shows the date for over due payment being in XXXX. Seven years would be XXXX, its 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 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
On XXXX at XXXXXXXX XXXX, Victim did receive an Unsolicited Marketing Promotion from Respondent in direct violation of Victims Rights Pursuant to 605C ( B ).

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 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Ive just reviewed my credit report and noticed the following inaccurate item ( s ) : XXXX Original creditor : XXXX XXXX XXXX Account : XXXX This letter is in response to your recent claim that the account ( s ) listed above have been verified and that the information they are reporting under my name is accurate. This is not my account.

I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation, including person names you have contacted, addresses and the method you used to verify it, or remove the negative information.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information must be provided within fifteen ( 15 ) days of the completion of your investigation. 


Sincerely, 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 non-monetary relief
Consumer complaint received 2020-08-11
Company: I.C. System, Inc.
State: IL
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:
XXXX XX/XX/XXXX {$1500.00}. Sent request to remove debt on XX/XX/XXXX certified mail. No answer. 

XXXX XXXX XXXX XXXX XX/XX/XXXX {$710.00}. Currently under a payment plan to pay off debt XXXX XXXX XXXX XX/XX/XXXX {$60.00} currently on a payment plan to pay off. 

All these items needs to be removed from my credit.

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 2023-03-03
Company: Experian Information Solutions Inc.
State: AZ
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. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2018-07-02
Company: Crow Creek Sioux Tribe
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I just recently ( XX/XX/2018 ) found information about " payday '' loans, or short-term loans on the Office of the Commissioner of Financial Regulation for Maryland that the interest rate that is allowable under law on the first {$1000.00} of a loan of {$2000.00} or less to be 2.75 percent per month or an annual interest rate of 33 percent. 

During a period of when my husband was not working ( nearly a year ) following XXXX XXXX XXXX, we fell into some disparate times and I was forced to take some short-term loans. In doing so I realized that I was being charged nearly 4 times the amount borrowed back with an interest rate of 534.26 % yearly. At this rate, I will never get out of debt. 

For {$500.00} borrowed @ this 534.26 % annually, I am paying back {$2500.00}. These people are taking advantage of people because we don't know the law, or we are not searching the law to know that we as consumers have rights too.

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 2023-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email XXXX 15 U.S Code sec. 1681c-2 commands a consumer reporting agency Shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than ( 4 ) four business days after the date of receipt. It has been well over thirty days, and You are in violation of this law. Because I am a victim of identity theft!! Please delete these items immediately!!! 
These accounts should not be furnished in my consumer report [ a ] in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) in accordance with the written instruction of the consumer to whom it relates. I have never given any consumer agency writen consent to report anything on my consumer report. 
Which violates my rights as a federally protected consumer no consent is identity theft as a consumer I demand the deletion of the listed accounts immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANS UNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: FL
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:
In XXXX and XXXX there were many fraud transactions that was made and wells Fargo allowed these transactions while having fraud protection and bank never gave me any of my money back we are talking thousands of dollars

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 2022-04-02
Company: EQUIFAX, INC.
State: MI
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-19
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX sent a debt to collections that I do not owe. National Credit Services attempted to collect and posted it to my credit report and is now being unresponsive when trying to get the posting reversed. I have filed a dispute with all XXXX credit bureaus.

Company response to consumer: Closed with explanation