BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-16
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We ask for Mortgage Forgearance11 months ago with Wellsfargo. 
They gave me the run around over and over until I finally got my Congressperson involved, then they granted 180 days, and I believe have extended it another 180 days as its a FHA loan. 
I have been out of work since XX/XX/XXXX no fault of my own due to the Pandemic, and do not get unemployment or any other assistance. 
I did sign up for social security as I am now XXXX, and had not other way to try and pay my bills. 
The money I get from SS does not even come close to what it takes to live on.

Now looking at my statements from Wellsfargo, it apears that they are tacking the full monthly payment on for each of the last 11 months onto my loan, and did not at any time decrease the total loan amount. 

I owed XXXX on my loan in XX/XX/XXXX, payments of XXXX per month. 
Now I owe XXXX A additional amt of XXXX, Wellsfargo only has to pay the loan investor, thats a small portion of the XXXX payment due each month. 
Wellsfargo recieved billions in PPP and Grants due to the pandemic. 
We impacted home owners are just being screwed ny the banks once again. 
XXXX, XXXX, My XXXX when are you going to stop XXXX the home owner? 

This program does nothing for the home owner, except to drive us into foreclosure and loose all of any equity we still have left after the XXXX scandal that the banks caused, due to there greed. 

If I was a renter, I would have not been evicted, and owed nothing. 
Why are home owners getting the shaft?????? 

This is discrimination, and another bank con game.

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 2023-10-06
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Comenity manages card accounts for Express, Ann Taylor, XXXX and Ulta where I sometimes shop. In all cases, except for Express, I stopped using the card due to endless problems with wrong balances, inconsistencies and accessing portals etc to make a payment. I have not had a bill by email or mail since XXXX XXXX 

XXXX  Tried to make a store purchase in XXXXXXXX XXXX was told problem with account, Went online to see the balance of XXXX accrued late fees of XXXXXXXX XXXX XXXXXXXX {$90.00} Sent an email-had a generic response back with no ability to discuss or make sense of balance and charges or if they were made by me? 

XXXX Unable to get through by phone to discuss this, told lines having problems. 

XX/XX/XXXX Finally received a correspondence from Comenity saying my credit limit for Express and AnnTaylor was lowered. 

XXXX  Credit bureaus lowered my score significantly Their phone lines are not working

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-07
Company: Experian Information Solutions Inc.
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2021-12-17
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Okay I was contacted about this debt I asked them multiple times to feel out a debt validation letter. And they keep giving me sub par information and a bunch of XXXX about the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: AL
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:
Due to my all my credit report with out provide documentation my credit report is in good condition refuse to take it bank of America shouldn't be on my credit report I paid my XXXX  balance in full I completed it earlier change my credit score with out verification illegally operation my personal information credit report agency I am tired of them doing me like that drop my score XXXX point with investigation correct paperwork

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 2023-02-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus on XX/XX/, 2023, to update the erroneous information. I think the 3 Credit Bureaus have not validated these accounts. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$32.00} XXXX XXXX XXXX Balance : $ {$40000.00} XXXX XXXX XXXX Balance : {$540.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$49000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Experian Information Solutions Inc.
State: NJ
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$46.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX : {$1800.00} XXXX XXXX Balance : {$46.00} XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$1800.00} XXXX XXXX Balance : {$22.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX XXXX Balance : {$700.00} XXXX XXXXXXXX XXXX : {$1800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: PA
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:
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 1681. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06
Company: DISCOVER BANK
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 existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
SEE Email Attachments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - Hard Credit Inquiry on XXXX XXXX XXXX XXXX I did not apply for a credit card with XXXX Wyndham Rewards Earner  Card application - XX/XX/XXXX - Hard Credit Inquiry on XXXX - Unknown Source- I did not apply for a credit card with Wyndham Barclay Bank Please remove all Credit InquiriesPlease investigate this fraudulent activity

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: EQUIFAX, INC.
State: MO
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 1681.

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-01
Company: N.A.R., Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
NAR contacted me for the first time on XXXX, I was at an appointment, they called twice in a row and left no message. They then called my boyfriend 10 minutes after calling me and when he said to contact me they contacted my neighbor. None of whom were listed on my debts

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 2020-07-31
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX  XXXX {$870.00} CHAPTER XXXX BANKRUPTCYDISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Account Management Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XXXX of XXXX I visited a medical clinic called XXXX XXXX XXXX located in the City of XXXX XXXX. I had valid PPO insurance at the time. I wanted to have my blood checked. I spoke with the staff and a doctor at the facility who advised the cost would be a one time fee of {$100.00} ( which I assumed was my co-pay ). 

I did have XXXX XXXX and received a report several days later. XXXX XXXX XXXX stated I had no outstanding balance. 

I went on with my life. 

Years later, ( XXXX ) I received a phone call from XXXX collections XXXX. 

They advised me that they have been sending debt collection letters to an address I havent been associated with since XXXX. 

XXXX indicated that I owed in excess of {$1400.00} for treatment at XXXX XXXX XXXX for XXXX of XXXX. I told them I had digital proof that I had valid insurance during the visit and paid a {$100.00} co-pay. 

I offered to send them this electronically and they stated it didnt matter and that I was responsible for the outstanding balance. 

The XXXX representative also stated this could harm my credit ( which is very important to me ). 

I called my insurance provider and spoke with them. They indicated they never received any claim from XXXX XXXX XXXX. 

I visited XXXX XXXX XXXX to inquire. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. The office was closed, the telephone number had been disconnected and there was no longer a website for the medical clinic. 

To the best of my knowledge, I never signed anything indicating I owed any further amount than my co-pay which was paid. 

XXXX advised they were representing XXXX XXXX XXXX  ( XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX ) I never signed anything authorizing this company to bill me for anything. 

Taking these factors into consideration, I believe XXXX XXXX XXXX failed to bill my insurance and went out of business. 

I can only speculate XXXX XXXX XXXX used XXXX XXXX XXXX for outsourcing ( again never heard or signed documents with this lab indicating financial responsibility ) and went out of business. 

XXXX XXXX XXXX is now looking to foot the bill on unsuspecting patients of the facility which is unjust and wrong. XXXX advised there were multiple patients inquiring about similar instances. 

I advised XXXX that the debt was invalid. There is nothing in writing from XXXX XXXX XXXX or XXXX XXXX XXXX that I signed, authorizing them to charge me for anything more than the {$100.00} co-pay I paid the day of my visit. I have not seen any details from XXXX to dispute this. 

I advised XXXX I would be sue the company for damages if they attempted to damage 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 non-monetary relief
Consumer complaint received 2023-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of America reported fraud and sent something to XXXX XXXX and now I can't get an account. I haven't done anything like that. They closed my account for a check I deposited and still cashed the check and gave me the money. Then reported me to XXXX XXXX. It wasn't fraud and not sure why they even said that.

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: 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-04-01
Company: I.C. System, Inc.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, On XXXX, I received a collection notice from XXXX trying to collect a debt for XXXX. I wrote back to the company on XXXX and advise that I did not owe the debt and desist from further collection. On XXXX, I received the exact same notice and wrote again advising the agency that I would like them to valid the debt. On XXXX, I pulled a copy of my credit report and they have place the collection notice for this debt on my credit file, eventhoug I repeated wrote back disputing the debt and the amount. 

I would personally like to start a class action suit against this company and would like your recommendation. 

Please find the attached documents as proof of my numerous attempt to resolve this problem. 

Kind regards, 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 2022-04-01
Company: ACIMA CREDIT, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone used my identity and a fake email address to approve a credit line for {$3000.00} with ACIMA Bank which was used to purchase jewelry. The credit card company ACIMA requested that I submit a report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: PNC Bank N.A.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have an auto loan with PNC bank, originating in XXXX. I have always made timely payments. The payment is usually due on the XXXX or XXXX of the month, but I am unable to pay my monthly installment until the last day of each month. PNC continues to call and I have advised PNC reps with no issue of this situation. PNC continues to call every day, sometimes twice per day on my cell and my work phone. I have asked PNC reps to refrain from calling my work number, but they continue to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
All 3 credit bureaus are reporting unauthorized credit inquiries which I have attempted to dispute online with no results. Upon noticing the unauthorized inquiries, I immediately placed a temporary fraud alert on all reports. I would like these false inquiries removed from all 3 reports. 

XXXX XXXX XXXX  XXXX XXXX  TU : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2023-04-16
Company: Chime Financial Inc
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
This is in relation to a dispute that is open currently. That dispute is XXXX. 
Dispute # XXXX is because Chime will not let me access my account. I continue to submit the ID verifications when they request them and they continue to deny me access to my account. I can not access the checking or savings account because of the inability to log in to my account. 

This relates because of another problem being caused by this inability to log in to my account. I had sent a payment to a non Chime customer email address. The employee who was to receive the payment for shop expenses can not receive the payment from me. They have contacted Chime support over thirty times asking for someone from the support staff to assist them with the accepting of the funds I sent, however Chime is apparently just sending the same email in response over and over again. No one at Chime is actually providing support, just the same, irrelavant, computer generated message over and over. 

This is a problem and has put me in a major bind. The expenses that were to be received for the shop can not be received and no support is being provided/ At the same time I can not cancel the funds transfer because I am not being allowed to login to my own account. 

So here are funds in the amount of {$190.00} that are very necessary to keep my business up and running that Chime has essentially high jacked. The shop can not receive it and I can not access my account. They are disrupting business and my livelihood.

Company response to consumer: Closed with explanation