BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
To Whom It May Concern, On XX/XX/2023 I logged into my XXXX XXXX XXXX XXXX issued by Wells Fargo bank and noticed I had been assessed a late fee of USD {$25.00} as well as an interest fee of USD {$48.00}. This was surprising as I have had no record of late fees on this account and thought I had paid off the balance in full for the prior statements. I then called Wells Fargo on the same day and was informed by a representative that I had been charged both fees as there was a balance of USD {$180.00} that had been left unpaid on my XXXX statement. Looking into the charges, I realized that my building had added those charges without my knowledge, given the card in question is linked to my building to pay for rent and utilities. 

In light of the unexpected charge and my lack of late payments prior, I requested that both the late fee and interest charges be refunded. The representative informed me that unfortunately only the late fee could be refunded and that the interest fee would not be removed. This seems particularly unreasonable, given Wells Fargo bank assessed the interest payment on the entire outstanding balance of my card at the time, totaling USD {$4300.00}, rather than only on the USD {$180.00} that was overdue. When I pointed this out to the representative, they sought a supervisor, who unfortunately upheld the original decision not to refund any of the assessed interest charge. 

This not only feels unreasonable punitive, but also markedly unfair given other financial institutions routinely refund assessed interest for first infractions on request. Even if Wells Fargo chooses not to follow this industry standard, I would think that it would be reasonable to only charge interest on the actual amount overdue vs. the much larger standing balance, the vast majority of which was not in overdue status.

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 2022-11-03
Company: Experian Information Solutions Inc.
State: NC
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: Problem with personal statement of dispute

Complaint:
I reached out to XXXX, Credit Reporting Company, asking them to verify ( with an original signed contract ). I sent this request via mail on XX/XX/2022. XXXX sent me a letter stating the debt was verified ; But failed to send me a contract as proof. I also reached out to the Collection Agency for verification ; And they never provided anything. Therefore I sent another Letter to XXXX enclosing copies documents sent to the collection agency asking for evidence. The 2nd letter was sent ceritifed mail with a return reciept. XXXX signed and recieved my letter XX/XX/2022. The FCRA requires you to verify the validity of an item within 30 days of request. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here. I informed XXXX that I contacted the Debt Colection agency for validation ; And the Debt Collection has not validated the debt either. It has been 60 days with no response from XXXX. This needs to be removed from my credit. I've also sent Letters to Experian and XXXX without a initial response.

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 2023-10-03
Company: Experian Information Solutions Inc.
State: MD
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:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXXXXXX Balance : {$990.00} XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXXXXXX Balance : {$760.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3300.00} XXXX XX/XX/2023

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 2023-05-03
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal permanently locked my account more than 6 months ago. I received an email dated XX/XX/22 that stated my account was locked. The email stated that I was required to wait 6 months for access to my funds. I have been trying to withdraw my cash from the wallet, but keep on getting an error message stating that something is wrong with my account. Please advise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
Company: Experian Information Solutions Inc.
State: WA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I've sent you guys this complaint documents about credit concep well here 's their past suit for same thing .so now I have the irs involved how do I owe something that was paid. I have power of attorney of principle. They did not disclose that they changed my account number 3 times their 3 credit transaction on my credit report this XXXX shows different and again you gave every reporting agency since XXXX of last year chance to clean up their fraud.i sent oaths of their accounting statement so basically all reporting agency need to remove this as law states in 3 days period.i mentioned to irs I submitted these documents to the reporting agencies and their confused on all the verified information.so let experian XXXX XXXX since they are illegally disputing wrong and their statements and recording have been sent as materials they need to have this removed immediately not 30 days 15 3. Because they are taking money from the government trying to retaliate on me my account needs to be changed to XXXX balance paid as agreed. Or ask every party who doesn't fix this to prepared to answer to the irs and treasurery

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 2019-07-08
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a notification on XXXX XX/XX/2019 via XXXX XXXX  that i had an account in collections from a company called ProCollect. At no point did i ever receive any notice of an unpaid debt. I called Procollect today XXXX  XX/XX/2019 ( they were closed because of the XXXX of XXXX weekend ) asking about what debt i owed and they told me that i had a debt to XXXX at XXXX apartments but that the balance was XXXX because i had already paid, so i asked why it was showing on my credit report and all she told me was that it will show as a XXXX balance and that there was no way for me to remove this from my report. I believe this is unjust as i had never received any notice of any kind from neither ProCollect or XXXX at XXXX about a debt that i owed, XXXX at XXXX apartments has my email and phone number and i have never received an email nor a phone call from them about any unpaid debt. This company went straight to collections without notifying me in any way.

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 2022-11-03
Company: EQUIFAX, INC.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I sent certified mail a dispute validation letter on XX/XX/2022 for an alleged debt for child support to Equifax in XXXX GA the credit bureau received it on XXXX XXXX. I called today XX/XX/2022 to inquire about the dispute letter to verify if they received and the agent I spoke over on the phone verified Equifax indeed received it XX/XX/2022 and he said an agent looked at the dispute letter and I asked what investigations are they taking to investigate and validate the child support debt that is on the credit report but he stated that the validation letter I sent to them does not specify the exact account in dispute but on the letter I clearly stated that it is an alleged child support debt that is the fact on the credit report but Equifax claims because it does not say Texas attorney general child support but the CHILD SUPPORT AGENCY are in contracts with the state and further more the CHILD SUPPORT AGENCY are single and when contracted with a state they are single and separate unit in the state, and Equifax by law have to validate the debt and verify and investigate the dispute and the agent refused to his job to investigate and refused to erase it from the credit report. Equifax are not investigating the dispute letter I sent to them and they need to there job.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: TRUIST FINANCIAL CORPORATION
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My mortgage was transferred to Truist bank. They appear to be completely unavailable to contact via email or messaging on their site, and to call during business hours ALWAYS results in at least a 30 minute wait. ( Usually much longer. ) I have received a sickening amount of junk mail since the transfer of this loan, and wish to opt out of having my personal information shared. I never consented to have my information shared in the first place, in fact had submitted in writing to my former mortgage company that I did not want this info shared, so I feel that information should have transferred to the new company. 

I am submitting a complaint about the info sharing and the complete lack of availability of customer service to attempt to rectify an issue. I feel like a customer service email should suffice for this request ; it shouldn't be necessary for me to wait on hold for 30-60 minutes to speak to someone just to ask for them to stop sharing my private information that I never gave them permission to share in the first place. I'm extremely unhappy that my mortgage was transferred to a company with this low level of concern for my privacy and ability to contact them, and frustrated that there is apparently absolutely nothing I can do about it.

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 2018-08-14
Company: Experian Information Solutions Inc.
State: GA
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:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

BELOW are the Company, Account # and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX XXXX XXXX Account # XXXX Balance : {$28000.00} Company : XXXX XXXX XXXX Account # XXXX Balance : {$0.00} Account # : XXXX Date Open : XX/XX/XXXX Balance : {$200.00} Account # : XXXX Date Open : XX/XX/XXXX Balance : {$260.00} Company : XXXX XXXX XXXXXXXX Account # :  XXXX Date Open : XX/XX/XXXX Balance : {$250.00} Below are fraudulently unauthorized inquires on my report : Company : XXXX XXXX  Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX I have never been associated with these addresses that are reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, GA XXXX please remove these false accounts, inquires, and address from my credit report immediately.

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 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 has violated my rights 15 U S C 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 604 A, Section 2 also states a consumer reporting agency can not furnish an account without my written permission.

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.

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 2018-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

BELOW are the Company, Account # and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX  XXXX XXXX Account # XXXX Balance : {$28000.00} Company : XXXX XXXX XXXX Account # XXXX Balance : {$0.00} Account # : XXXX Date Open : XX/XX/XXXX Balance : {$200.00} Account # : XXXX Date Open : XX/XX/XXXX Balance : {$260.00} Company : XXXX XXXX XXXXXXXX Account # :  XXXX Date Open : XX/XX/XXXX Balance : {$250.00} Below are fraudulently unauthorized inquires on my report : Company : XXXX XXXX  Date : XXXXXX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX I have never been associated with these addresses that are reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, GA XXXX please remove these false accounts, inquires, and address from my credit report immediately.

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 2020-07-14
Company: Recovery Partners, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX at XXXX XXXX a XXXX XXXX driver ( XXXX XXXX LIC XXXX ExpXX/XX/XXXX ) was driving over the limit speed on XXXX XXXX hit my passenger door ( got broken ) failed to stop ( hit and Run ) and return the minutes after the crash, stated that she was driving under the influence. The rear rear mirror of her car with the impact got broken. I had called the XXXX XXXX and My Insurance to let them know what happened. I have a Liability Insurance with XXXX XXXX XXXX. My XXXX XXXX failed to follow up with the Claim ( did not pay it ) and now XXXX   XXXX  put me into collection. I feel that My XXXX XXXX  did not comply with the claim or nothing was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: The CBE Group, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Faithfully paid every bill from XXXX for years. When I attempted to cancel service I was given the runaround. It took several calls over a period of at least a week and even then they extended service longer. They sent me a final bill that was not owed. 

I did not live in the home for the month inaccurately billed. 

My service should have been turned off when I asked and I should never have been billed an additional month. That's why they never got paid. This bill is petty, under {$50.00}. I would have paid it if it were valid. It is not and that's why they never got paid. Many other people have had this same problem with XXXX. I am requesting this invalid debt be deleted and removed from my credit reports immediately. Thank you and have a wonderful day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: EQUIFAX, INC.
State: GA
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:
My XXXX XXXX Visa payment history shows I was past due in XX/XX/2018. This is incorrect and have disputed successfully this issue with XXXX XXXX via CFPB ( see attached complaints letters ) who now alleges they submitted the request to you to update my credit report however this update has not been made. The XXXX  and XXXX reports have been updated to show no missed payments and a balance of XXXX. I have previously disputed this with Equifax however the dispute was not solved in my favor. Basically XXXX XXXX blames Equifax and Equifax blames XXXX XXXX. Meanwhile all creditors think I am delinquent because i did not pay XXXX $ which i did not owe for the month of XX/XX/XXXX. Please update my payment history to show my account closed in XX/XX/XXXX and delete the delinquency for the month of XXXX XXXX.Please do not close this complaint without remediating the information on my report and do not defer me to XXXX ( see attached complaint response letters from XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: FL
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : 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 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

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