BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-08
Company: WELLS FARGO & COMPANY
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I had flooring installed with XXXX, and I agreed to finance the flooring through Wells Fargo since they were advertising a " 24 Month No Interest '' promotion. Everything was good until 12 months after the flooring was installed, when I was suddenly charged interest on the full purchase amount of the flooring, over {$1000.00}. Needless to say I was surprised to see this charge. 

I contacted Wells Fargo about this immediately, and they said that it was actually a 12 month promotion and that I was mistaken, BUT they would waive roughly {$400.00} of the interest ( 15 % of it ) on the condition that I paid the entire balance on the phone immediately. They would not let me think about the offer and call back- it had to be right then and there, or no deal. I reluctantly agreed to do this, and submitted a payment for the entire balance of the account just to handle it and move on. 

After a handful of weeks I realized Wells Fargo had not taken funds for the balance of the account that I paid off, so I contacted them immediately. I confirmed with them that the payment information was accurate, and I had ample funds to pay for it, but they did not process the payment. The representative informed me that it was my fault that the charge didn't go through ( it wasn't ), and because I hadn't noticed within 72 hours, they were not going to honor the original agreement and I was going to be charged the full amount of interest. 

All of this feels like extortion - I don't think I should have to pay the interest at all since it should be a 24 month interest-free contract, not 12, and I've never missed or been late for an appointment at all. Even then, I still acted in good faith and tried to pay the account off in full, but the representative made a mistake, blamed it on me, and refused to honor the agreement we had the first time I called. This is all super frustrating and I've never been treated worse by a company.

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 2021-01-13
Company: Rubin & Rothman, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
This is going to be a second time I am complaining about this Collection agency that Acts as a Lawyer on behalf of Plaintiff. 
If the principal purpose of your firm or your law practice is collecting consumer debts, then you probably know this already, and you know that you are a debt collector under the statute. See, e.g., Scott v. Jones, 964 F.2d 314, 316 ( 4th Cir. 1992 ) Therefore as I requested multiple times not statements, not a contract but an " assignment of Debt '' or " bill of sale '' of this debt, I still never received. 
I have recently received a demand again for payments and threat to garnish my salary or freeze my accounts. 
In this light than, as youre already aware, since 2015, with the State Attorney General of New York and the Credit Reporting Agencies, all companies, data furnishers and debt collectors must abide by the new Metro-2 data format and must CERTIFY in their Universal Data Forms that all information being submitted is equivalent to a sworn declaration, or else you may be liable for perjury with substantial fines. Please provide to me what I have requested so that you are protected as am I.

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 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-06-26
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: Their investigation did not fix an error on your report

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: EQUIFAX, 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:
According to FCRA 15 USC 1681b ( c ) ( 1 ) ( A ), consumer reporting agencies must have my authorization to provide information pertaining to me on a consumer report. XXXX XXXX, and Equifax have reported an inquiry on my credit report about an alleged attempt from me to request credit from the following creditors on the respective dates listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: V and H Portfolio
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I NEVER SIGNED AN AGARAEEMENT WITH THIS CREDITOR. THIS IS NOT THE ORIGINAL CREDITOR. I WAS NEVER 30 DAYS LATE. THIS IS A DUPLICATE ACCOUNT. US Code 1692e False and Misleading Representation Notes/ A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 
( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 
( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. 
( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. 
( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. 
( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. 
( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. 
( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to befalse, including the failure to communicate that a disputed debt is disputed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09
Company: The CMI Group, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Management Lp is reporting a debt owed to XXXX  that I do not owe because I never opened an account with XXXX. I received the first notification of this on XX/XX/XXXX from my XXXX account that sent me an email notification that a collections was added to my file. It was sent to XXXX that I owe {$1000.00}. I called the company and was told by XXXX that I owed {$600.00} to XXXX for an address that I never lived at in XXXX. 
I told her I could prove that I lived in another state and I also around that time I was a victim of Identity thief, so please send the account back to XXXX and remove this from my report within XXXX hours. 
I also told her that I never received anything from them to give them this information before they sent this to the XXXX credit reporting agency. 
I called again today XX/XX/XXXX and spoke with XXXX XXXX who stated now she could not pull up the account without having my social security number or the account number which I did not have because it isn't listed on the XXXX account below with XXXX  and I was not going to give her my social because XXXX the day before pulled it up by my name only. I pay for this service monthly and have been paying for it since XXXX due to being a victim of Identity thief. 

They are reporting inaccurate information XXXX. Owner of Debt XXXX. Amount they said they had on file and the amount reporting to XXXX XXXX. Reporting as past Due on someone's XXXX amount on my report Account Number XXXX Original Lender XXXX XXXX Agency Name Credit Management Lp Date Assigned XXXX XXXX, XXXX Original Balance {$1000.00} Current Balance {$1000.00} Responsibility Individual

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-09-21
Company: Experian Information Solutions Inc.
State: NY
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:
feel I am being ignored by this company. my report has unauthorized accounts, never did I consent to these being applied for. Never did I have knowledge of them nor did I ever have access to any of these. However, Experian is not removing them from my 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 non-monetary relief
Consumer complaint received 2021-06-26
Company: WELLS FARGO & COMPANY
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
Wells Fargo disrupted myworkflow operations of XXXX XXXX XXXX from XX/XX/2021 thus causing me to miss numerous income in which I will be generating a report to upload in my portal. 

Had I not been called from 3 different numbers, sent 3 different bill statements, and had to file numerous reports- I could have secured necessary PPP Loans and SBA Covid 19 help. 

I also proceeded to miss calls from XXXX XXXX XXXX that I had previously done business with and needed my General Liability, Workers Compensation, and Commercial Automobile Insurance. 

Had I been able to actually work verse get threatened to pay thousands a dollars up front with XXXX validation of which was the correct bill until XXXX in which Wells Fargo Executive Office only followed-up after my car was to be repossessed.

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 2019-06-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XXXX, Chase bank made an unauthorized claim, and an unauthorized deduction of {$300.00} form my account, I opened a claim for it, later on, I received a letter indicating that while the investigation goes on they are going to place a temporary credit of {$600.00} on my account while they research the transactions that I reported. However, this {$600.00} did never showed up in my account. 

In XXXX, Chase bank made an unauthorized deduction of {$300.00} our of savings account and {$270.00} from my checking 's account, this unauthorized transactions resulted in having my account in the negative numbers, as a consequence of this deductions I could not close my account and I have been charged with overdraft fees. 

I have also been mistreated by the personnel of Chase bank when I went to ask for an explanation. 

I want to clarify this situation, and get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On or around XX/XX/2020, I sent money to my niece through PayPal to help with her bills and other things because she was out of work due to Covid-19. My account was limited at first. They asked me to send in a picture of my ID for verification purposes and informed me that they would get back with me after doing their review. My account was then permanently limited and I was informed that I could not use there services any long and that my funds would be held up until 180 days. At this point I tried reaching out to PayPal and was informed that around XX/XX/2020 I would receive an email informing me that my funds would be available for withdrawal and that if I didnt receive the email that I could contact PayPal after XX/XX/2020. Ive sent multiple emails and have attempted to call their customer service and havent been able to get through to a human.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
RE : Bank of America XXXX ID # XXXX I filed the above reference claim with BofA aafter someone created a XXXX XXXX Account in my name and stole {$2400.00} on XX/XX/2021. The transaction was made on XX/XX/2021, and it appears that it was posted on XX/XX/XXXX. I filed the report as soon as I saw this large transaction. Coincidentally, I also had a large deposit on the same day as the transaction. That was my paycheck deposit and was completely separate from the fraudulent transaction. 

Apparently a few days earlier there was a transaction for {$5.00} on XX/XX/XXXX. I do not know if I saw that transaction or not but I certainly did not recognize it as a fraudulent transition. There were XXXX or XXXX other small dollar debit charges on the same day and I apparently did not see this charge among the others. 

Attached is a copy of the police report I filed with the XXXX Police Department. 

Bank of America responded that they were unable to approve the claim because " the charge was authorized by you or someone who has permission to use the card of the account. '' I did not authorize anyone. It clearly was not someone I know. 

I asked BofA for any documents they relied upon to make this decision, but they refused to give me any

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 2021-06-26
Company: AMERICAN EXPRESS COMPANY
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft which have created a great deal of pain and suffering. I submitted an identity theft report complaint with the Federal Trade Commission. My consumer rights of me being a natural person under the Fair Debt Collection Privacy Act USC 1692 and Fair Credit Reporting Act 1681 are being violated. Amex are breaking federal law attempting to collect a debt that is not owed. I do not owe Amex bank any money and demand that they stop attempting to collect the alleged debt and delete any internal records of the alleged debt and stop the false reporting to the credit bureaus ( XXXX, XXXX and XXXX ). I am also requesting an audit trail according to XXXX that any money was given to me. If any account was created using my social security number ( which I didn't authorize ) that would make me the creditor not the debtor. How can the creditor owe any alleged debt? They can not according to congress! 15 USC 1692 states that it is fraudulent to furnish a deceptive form to make me think I owe an alleged debt when they became a " debt collector '' after " Me '' the Original Creditor creates a creditor by giving them credit to extend back to me. I do not owe any alleged debt and demand that the alleged debt be deleted immediately or I will seek remedies for the violation of my consumer rights under congress law!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: EQUIFAX, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
I have sent over to all 3 credit bureaus dispute request to update my late payments to current for these accounts listed below. 

Due to The CARES Act, which was signed into law XX/XX/XXXX, XXXX amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis- but only under specific circumstances ( See 15 U.S.C 1681s-2 ( a ) ( 1 ) ( F ). ) ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus XXXX XXXX ( COVID19 ) pandemic during the covered period. 

( XXXX ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( XXXX ) 120 days after the date on which the national emergency concerning the novel coronavirus XXXX ( XXXX ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.

( ii ) Reporting Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current.

( iii ) Exception Clause ( ii ) shall not apply with respect to a credit obligation or account of a consumer that has been charged-off.

Due to this law I fall within the accommodation '' and coverage period.

Late payments should not reflect my credit report during the periods listed in this law. I have asked for these late payments to be updated to as current or removed. I fell behind and was able to become current with both accounts.

I DO NOT WANT THE ACCOUNTS DELETED JUST THE LATE PAYMENTS. 

First reported late payment in XXXX, ( XXXX ) which is determined within the 120 days. Actual late payment began from XX/XX/XXXX. 


XXXX XXXX XXXX Dates : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation