BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-13
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Enrolled in the Financial Relief Program where payments were {$73.00} for 12 months. In XXXX my MINIMUM payment jumped to over {$700.00}. I am still impacted by COVID as my husband lost his job due to the pandemic and I am the only household income. After speaking with American Express it was advised that after the program ends the consumer has to basically pay everything that would have been 'due ' during the financial program which is not assistance at all- it delays it but that is not helpful during these times. They only offered to get a personal loan, a new credit card or counseling. I have requested the documentation that was agreed to when I signed up for the program as well as I did not see any language that mentioned this. This is unfair practices to offer assistance then make the consumer pay it all at one time with no option for arrangements that will not negatively impact ones credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX MD ( the Doctor ) who has never seen me in person, but owns a business called XXXX XXXX XXXX, which sees patients at his/her office in XXXX XXXX XXXX Florida XXXX XXXX P.A XXXX and/or a Nurse see me for 10 minutes, but then billed the doctor for a XXXX office visit on or about XX/XX/2021. Patient spoke to doctors office assistant about the improper billing practices by their office. Doctors office got upset and referred the claim to collections instead of working it out with the insurance company. Patient contacted the insurance company and has submitted an SIU referral due to the doctors illegal billing practices. Additionally, the entire bill is paid, and this patient doesn't owe this doctor one penny. The doctors office is currently using XXXX XXXX XXXX in an effort to antagonize patient for having complained about his/her fraudulent activities. I have attached the support that shows there is no payment due to the doctors office.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have never lived at XXXX XXXX XXXX XXXX, XXXX, IL XXXX, and it has come to my attention that Experian is erroneously including this address in my credit report. I would like to bring this matter to your attention and request that appropriate action be taken to rectify this situation promptly. 
As per the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 1 ) ( C ), credit reporting agencies such as Experian are prohibited from reporting information that the consumer has informed them to be inaccurate. I have not resided at the address mentioned above, and it is imperative that Experian corrects this error immediately. 

I kindly request the Consumer Financial Protection Bureau 's intervention in ensuring that Experian complies with the FCRA and removes the inaccurate information from my credit report. This correction is essential to maintaining the accuracy and integrity of my credit history. 

Enclosed with this complaint, please find proof of my correct address, to assist in the resolution of this matter. I appreciate your attention to this issue and look forward to a swift and satisfactory resolution. 

Thank you for your prompt assistance in rectifying this matter.

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 2023-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
Recently, I did an investigation on my credit report which is caused XXXX  XXXX upon and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15. U.S Code 1681 e ( b ) and 15 U.S Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? As a consumer, I request to know all the steps your agency took to insure these items were % 100 accurate under 15. U.S.C 1681i ( 7 ) Method of verification-Description of reinvestigation procedure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: LEXISNEXIS
State: IL
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.

The letters are stated with items and issues.

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 2018-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was suffering from financial hardship and was seeking assistance and then hurricane irma hit and we were in a FEMA declared disaster zone. I understood that Bank of America would be providing disaster loan modifications for those impacted. I was on the disaster forbearance but they did not do the disaster modification as I was told. I had to apply for standard assistance. 

I did and there was some mix up until finally on XX/XX/18 after finding out they had not reviewed me even though I sent in an updated application on XX/XX/18. I spoke to a very helpful supervisor " XXXX XXXX '' who took the time to look at my file and found out what the problem was. I had to resubmit with the correct address information so I did and was encouraged as I would finally be getting help As a XXXX military veteran I also was seeking SCRA protection from the upcoming XX/XX/18 foreclosure sale date and have not received it to this day. 

Everything seemed to be going well and I was able to have a complete assistance package and was submitted to the underwriter and on XX/XX/18 was told they were postponing the sale as Bank of America does not practice dual tracking then a borrower has a complete package as they have always done they post pone the sale date to allow time to review. 

Days went by and still the sale had not been postponed. On XX/XX/18 after 2 other escalations my customer relations manager submitted another post ponement. 

I was told an assured by many representatives that once I had a complete package the sale would be placed on hold. I had no reason to doubt because that was the practice ever since the DOJ mortgage settlement restricting dual tracking. 

I am submitting this complaint as Bank of America has defaulted on their commitment made by it's own representatives.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX wire transfer in the amount of {$1200.00} from XXXX XXXX accounts. However, our records do show a member-to-member transfer on XXXX XX/XX/XXXX in the amount of {$1200.00} that was initiated by our member via telephone. Should XXXX XXXX That was what navy fed I called my money was gone XXXX balance which I was incarcerated XXXX and XXXX XXXX too XXXX dollar and XXXX XXXX my credit card was charge as well and Im a victim of theft I have a police report case # XXXX a victim is a victim and when I tried to get my account restored and recover they denied replacing my XXXX check from a person I dont know who stolen my fund and charging my credit card leaving a balance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My partner and I bought a house in 2005 and financed thru Wells Fargo. They advised us to skip several payments to be eligible for any kind of loan modification, this pushing us closer to foreclosure than to get the loan payments. The house was eventually sold as a short sale and our credit was shot. We found out later that Wells Fargo had numerous law suits for fraudulent mortgage related charges. Was told I needed to file complaint to join the thousands of others that Wells Fargo has to settle out with. I do not have the Account # for our loan, but Im sure the address of the property could be used along with my name. Property address is XXXX XXXX XXXX, XXXX, TX 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 2023-08-23
Company: Experian Information Solutions Inc.
State: NY
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:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX. Please delete these accounts 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 2023-08-28
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A cashiers check was issued by XXXX XXXX XXXX  for {$440000.00} on XXXX and deposited into XXXX XXXX XXXX  Truist Bank account number XXXX. No hold was placed on the account at that time. Bills were paid, payroll processed, wires sent to pay for materials. 

On XXXX I received an email indicating a hold was placed on the account to which I called Truist. They put the account on a 7 day hold. I waited until XXXX for the 7 day review. The hold was released and I was able to use the account for 24 hours before another hold was placed on our account. I called Truist and they said that the account was under review and no other information was available. I was in XXXX at the time for work and a local Truist branch was not available but I called back to XXXX XXXX, Branch Leader, in the XXXX branch ( where the cashiers check was deposited ) who indicated there was nothing she could do as it was XXXX  XXXX XXXX who put the hold on the account. 

I traveled to a XXXX  XXXX XXXX Branch in XXXX and spoke with XXXX XXXX. XXXX. He gave me a copy of the cashiers check that was processed and paid to Truist on the XXXX. 
He called Truist and spoke with the back end services personnel indicating the funds are definitely transferred. The back end said they would make a note in the system and then call back the next day as it was past XXXX East Coast time. I never received a call back. 

On XXXX XXXX I traveled to Truist Bank at XXXX XXXX XXXX XXXX XXXX, PA XXXX and spoke with Branch Leader XXXX XXXX. She contacted an ops manager as well as the Truist Back end services contact who stated the account is under review and XXXX will receive a letter in the mail. She gave me a number of XXXX to call to speak with the Fraud Line. I have called 4 times in the last two days trying to find out what is going on and no one has any answers. 

To date we have incurred {$10000.00} a day fines for non performance since last Wednesday. Payroll is suspended and is effecting all the employees including myself. Electric Bill, Cable Bill, Insurance, State Department renewals/licensing are all returned and we are subject to fees.

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 2021-10-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: CO
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:
On XX/XX/XXXX I was notified of a hard inquiry on my credit report from XXXX. The same day, also on XX/XX/XXXX, I received a confirmation email from XXXX 's congratulating me on my new XXXX 's XXXX XXXX, issued by XXXX XXXX. I can't even remember the last time I went into XXXX 's ( if I ever have ) and I NEVER applied for this credit card. 

About a week later, the XXXX 's card showed up in my mailbox. When I called the " card services '' number listed, the person I spoke to immediately said she needed my social security number. I didn't feel comfortable offering this information and I hung up. 

Furthermore, I almost missed both the credit alert and the initial XXXX 's email because they were buried in what I have since learned is called subscription XXXX. On XX/XX/XXXX, my email was flooded with hundreds of confirmation emails from hundreds of random websites.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Paying every two weeks XXXX dollars. The original loan was XXXX. Total amount I have to repay is XXXX, XXXX. I just feel that it is unfair lending practices. I have rent that is XXXX dollars a month. I am basically living off one paycheck which I have to pay this company out of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent this company several letters asking them to substantiate this debt. It is reporting to the credit bureaus and is a misrepresentation of my credit worthiness. I am distressed because it is hurting my ability to obtain credit. The information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/2021 Keep receiving numerous call stating that suspicious charges were found on my credit card of {$14000.00} for a new XXXX  and want me to give them access to my email address and cell phone number to check back with me. The caller was information came from XXXX XXXX County and the phone number is XXXX XXXX. Contact my credit card company and was told nothing suspicious was showing on my account. They told me report this information to you because the company takes this serious and wants to protect their customers. I did not give out any personal information. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: Synovus Bank
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX Dates letters sent XXXX XXXX, XX/XX/2023 XXXX Credit Amount : {$500.00} Sent letters stating this account is not mine, does not belong to me. No response

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
State: OH
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:
these accounts below do not belong to me and they are bring my credit score down each month and Im in the process of rebuilding my credit after a Bankruptcy this account dont belong to XXXX XXXX XXXX account # XXXX Opened XXXX/XXXX & Balance {$2100.00} two account is mine and it has lates but I was never late, they are below XXXX  XXXX XXXX opened XX/XX/XXXX lates reported XX/XX/XXXX Not late lates reported XX/XX/XXXX Note late XXXX  XXXX # XXXX Opened XX/XX/XXXX balance {$630.00} Late reported XX/XX/XXXX Not Late

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 2017-11-08
Company: National Credit Systems,Inc.
State: GA
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 filed a dispute with XXXX about account number XXXX reported by the National credit system, inc.in a amount of XXXX. I told XXXX that I dont owe any money to the company reporting this Item and I want this to be out of my credit report because it is negatively impacting my score and my credit. I attached all the proof that I do n't owe any money to XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation