BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: ID
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:
I had previously disputed inquiries on my credit report in XX/XX/2023 that were made fraudulently. 
I had sent documentation pertaining to removal of these items.

However this did not ensue.

I called in to find the investigation took longer than 30 days and the company did not respond, therfore if information can not be verified it is automatically removed from the report in accordance to FCRA 605b.

By law this I formation was to be removed. 

I had provided an FTC report along with a police report that stated these inquiries and fraudulent information be removed from file. Inclusive of this my ID and SSN was attached alone with FCRA 605b and a letter for removal. 

However even with this information this did not occur and there have been multiple inquiries posted to the account without my consent. 

I therefore request that inquiries that are on the FTC report be removed from along with ANY other accounts that are not mine. 

I feel XXXX did not adhere to this and ultimately were rude about it. 
I feel I was treated unfairly and passed around.

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 2023-12-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I put {$350.00} dollars in a Chase ATM at XXXXXXXX XXXX. on Saturday XX/XX/XXXX at the location on XXXX XXXX. The money never deposited into my account, and the deposit didnt register.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: Personal Cash Loans of SC, Inc.
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX - XXXX ( GA, who apparently is a subsidiary of or owned by Kinsmith Finance... 

XXXX XXXX calls me and texts me with harassing or threatening calls XXXX to XXXX  times a day. They also took the people/phone numbers i listed as references and call those people ( my XXXX, XXXX friends, and my boss ) XXXX to XXXX  times every day. 
All of us have told XXXX XXXX and XXXX at XXXX XXXX ( XXXX # XXXX ) to stop calling and stop threatening and harassing us via phone or other electronic means and they refuse to stop. They call me and my listed 'references ' every day from both the company phone and use their personal cell phones as well to disguse who is calling. 
This company and its employees have laughed at my request for them to stop calling and told me they will not stop. I have screen shots of all the recent calls and texts that I can hopefully attach to this. 
I have made my payments I owed and altho my currecnt payment is late, I have told them the date I will be there to make the payment, and requested they stop calling, and they laugh at me via text/phone and threaten to, and DO, continue calling every day. 
XXXX XXXX has now gotten me in trouble at work because they asked for my bosses number on the loan application. But they use his number to call my boss and harass HIM about my loan. It's scary and disrepectful and sad that these people would go so far as to possibly get me fired from my job over a {$400.00} loan. Of which Ive already paid back {$400.00} and now owe 100 % of that again in interest because these people are loan shark criminals. 
Attached is a couple screenshots of both their company number and an employees personal cell number being used to call me and my wife over just the last week or so. Dozens of calls. Also attached is some threatening texts they've sent me. 
The texts are ALL from XXXX and XXXX XXXX XXXX XXXX XXXX and employee ) because their is no legal method through their business for them to text me. So they illegally harass me via their personal phones. That's why the numbers are different from the business. But rest assured it is obviously them harassing me. They texted a picture of the loan papers so I can use that as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/, at XXXXXXXX XXXX  I receive a call from Wells Fargo Bank from a woman saying that someone used debit card in a store in XXXX, Texas. XXXX, XXXX gas station and XXXX. She asked me if I knew anybody in Texas and I said no. After we hung up my wife suggested going to Wells Fargo Bank to stop any kind of activity or transaction regarding our savings and checking account. 
The same day at XXXXXXXX XXXX I was at the Wells Fargo Bank XXXX XXXX XXXX. XXXX, CA XXXX and spoke to the branch manager and explain about what happened in the morning. She checked my savings and checking account and said as of now no transaction or activity was going on for both my savings and checking account. She gave me a Wells Fargo phone number to call and follow up to freeze both of my accounts. 
I requested to change both my account numbers ; she told me that she will set me appointment the next day XX/XX/XXXX to the person who handle the new account. 
My wife and I were waiting for our meeting to open a new account number at XXXX The manager told me that someone made a wire transfer for the amount of {$8400.00} from my Debit card I called Well Fargo Fraud Protection to explain and find out why the transaction went through since I called yesterday morning to cancel all activity. 
If the manager of the bank change my account and follow up my request to stop all transaction that day of XX/XX/XXXX I still have my retirement savings.

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 2024-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was a customer of Bank of America since XXXX and I was gold preferred member of the company. 
In XXXX XXXX the bank close my account without any notification, I was in XXXX with some friends and I couldn't pay my bill at the restaurant because that one the only account that I had. 
Also in XXXX I opened a company for student transportation and because at the moment I didn't had a business bank account ( it was taken a while ) the students started to send me money through XXXX, I have all the receipts for them. 
They blocked my account in XXXX XXXX and they finally close my account on XXXX XXXX and they reported me to XXXX XXXX XXXX. 
I requested the XXXX XXXX XXXX, the consumer report and didn't show any fraudulent transaction but they close my account under suspicious activity. All that is showed there are the direct deposit from my employers

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 2023-11-27
Company: Self Financial Inc.
State: MD
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:
Credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 6048 section 2 it also states a consumer reporting agency can not furnish the account without my written instructions under 15 USC 1666B accreditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scammed by 2 different people taking money out my checking and savings account using XXXX transfers. Both transactions of {$1700.00} each were taken out of my account from 2 different people claiming to be from Bank of America fraud department. They even called from the " XXXX XXXX Bank of America fraud phone number 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 2024-01-28
Company: U.S. BANCORP
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
U.S. Bank persistently misrepresents my information to all three credit bureaus. Despite notifying them that the reported account does not belong to me, they closed the account but inaccurately labeled it as " closed '' on my credit file rather than removing it. Furthermore, U.S. Bank reports an address they know is not mine and potentially was used to open the fraudulent account. uS Bank has also refused to provide me with a copy of the signed credit application.

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 2024-02-07
Company: Fidelity National Information Services, Inc. (FNIS)
State: AZ
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:
PLEASE SEE ATTACHED. 

I DID NOT ASK FOR YOUR NON SENSICAL EXPLANATION- I ASKED FOR PROOF - PLEASE DO NOT SEND ME XXXX ABOUT A DIATRIBE THAT IS NOT A SWORN AFFIDAVIT UNDER PENALTY OF PERJURY. I AM NOT INTERESTED OF YOUR NON SENSE STATEMENTS UNLESS YOU ARE PREPARED TO BE SUED. YOU HAVE NEVER PROVIDED ANY PROOOOOF. YOU ARE SIMPLY DIVERTING BLAME TO SOMEBODY ELSE INSTEAD OF PROVIDING THE ONE AND ONLY THING THAT SHOULD SUPPORT YOUR CLAIMS. YOU DO NOT HAVE A CONTRACT WITH ME. CFPB STOP CLOSING THE CASE WHEN YOU KNOW VERY WELL THEY HAVE NEVER PROVIDED ANY PROOF UNLESS YOU WANT TO BE INCLUDED IN THE LAWSUIT.

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 2024-01-26
Company: U.S. BANCORP
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX I paid the full statement balance of {$19000.00} on my Flagstar VISA credit card. I believed that my balance was then at {$0.00}. However, on my next statement there was an interest charge of {$41.00} for the period of time between the date the statement was issued and the payment date. I was out of town on business when the statement arrived, and was unaware that there was additional interest to pay. Flagstar charged me {$30.00} late fee. 
When I got home, I saw the mailed statement. I called Flagstar, got the late fee waived, and paid the {$41.00} interest. I believed the balance was paid in full. As it turns out, Flagstar charged another {$1.00} interest on the period of time the previous month 's interest had been unpaid. However, I was out of town again at the time the statement arrived.

When I got home I saw the new statement with additional interest and another {$31.00} in late fees. 
Today, XX/XX/XXXX, I called Flagstar and requested the new late fee be waived. Flagstar refused, because they had waived a late fee the month before. I explained that I had paid the balance on the account, but there was a charge of {$1.00} additional interest on the previous interest charge. I felt that it was unfair to charge {$31.00} late fee for unpaid interest of {$1.00} after I had paid the account balance. I expressed this to customer service rep XXXX, and to manage XXXX. The Call Confirmation number for my conversation with XXXX is XXXX. 
Due to Flagstar 's complete unwillingness to reverse the late charge, I cancelled my account. I did pay the current balance of {$33.00}, which XXXX assured me was the complete amount due and that there would be no additional charges. 
I feel that Flagstar 's late fee charge of {$31.00} in this instance is unfair and excessive and should be returned to me.

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 2024-01-26
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am a 100 % XXXXXXXX XXXX and the joint account owner who was my caretaker informed me she was in communication with Regional Acceptance and that I had to make a payment or the truck would get repossessed. This was in XXXXXXXX XXXX XXXX. I called them and made a monthly payment XX/XX/2022 for the usual amount of {$770.00}. The customer service representative verified this would stop the repossession which was very important to me. Well they took the truck anyway without my knowledge right after that and didnt even allow me to get the thousands of dollars worth of personal property I had in there as I was preparing to move residences. It has really bothered me that they were so dishonest so I got some legal advice and if XXXXhis avenue doesn't produce results then a lawsuit is the next step which I would like to avoid because of the time it would take. They refuse to acknowledge my last payment date because then it would prove my case. That they basically repossessed my truck unlawfully but they refused to acknowledge that I had made any payments in XXXX. Well I finally have the proof of that payment which was the only thing my lawyer needed to move forward with full confidence. This affected me so much I went into inpatient treatment at the VA for almost a year following the repossession.

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 2023-11-27
Company: Ability Recovery Services, LLC
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to dispute the validity of the debt associated with Ability Recovery Services. I recently became aware of this collection entry on my credit report, and I believe there may be errors or inaccuracies in the reporting. 

I am formally requesting that Ability Recovery Services provide me with the following information : 1. Verification of the debt, including the amount owed.

2. Copies of any documents proving that I am legally obligated to pay this debt.

3. Details of the original creditor and their contact information. 

I also request that you provide me with a written statement confirming that the debt is not being reported to any credit bureaus during the investigation period. 

Please note that, under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute the validity of this debt and request verification. I expect Ability Recovery Services to comply with this request within 30 days. 

If you are unable to provide the requested information, I demand that you remove the collection entry from my credit report promptly. 

Your cooperation in resolving this matter is appreciated. I look forward to your prompt 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 2023-12-06
Company: Experian Information Solutions Inc.
State: OH
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:
I have tried to resolve this with Experian and they are no help at all. I sent letters since XXXX all proof of delivery certified mail witn USPS.

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 2024-01-25
Company: Experian Information Solutions Inc.
State: MO
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:
Experian closed 1 while working on another but there the same and this also as REQUESTED WILL BE FORWARDED TO THE DOJ

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 2023-10-19
Company: Experian Information Solutions Inc.
State: NY
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:
My credit report is showing late payments to XXXX XXXX XXXX and XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.

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 2023-12-05
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: Investigation took more than 30 days

Complaint:
I have disputed the reporting of my XXXX loan XXXX different times. They have not sent any results back. They did not conduct an investigation. The first dispute ( XX/XX/23 ) was " Under 15 U.S. Code 1681s2 ( F ) Reporting information during COVID19 pandemic - Update Account to NEVER late '' was never investigated. the company did not respond. The second dispute was send on XX/XX/23. The dispute reason was " Under 15 U.S. Code 1681s2 ( F ) Reporting information during COVID19 pandemic - You did not enter a notice of dispute. You are in violation of FCRA.- Update account to NEVER late. '' AGAIN the company did not respond. My dispute status was never changed and I received no results from the investigation. My THIRD dispute was sent on XX/XX/23 and my reasoning AGAIN " Under 15 U.S. Code 1681s2 ( F ) Reporting information during COVID19 pandemic - This is my third attempt at disputing the late payments on this account. There was a loan modification. You are violating the CARES ACT and FCRA by not entering a notice of dispute. Update my account to never late or I will pursue litigation. UPDATE TO NEVER LATE '' The company still has no responded or updated my dispute status. I recieved a loan modification over the phone for my loan due to having XXXX. The company is still reporting late payments! I want my credit score uopdated. It has dropped my score XXXX points!

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 2024-01-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
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:
On XXXX, XXXX, USAA Bank froze my checking account ( ending in XXXX ) for an unnecessary 2-3 day fraud review, but USAA did not provide me with any notification that my account had been frozen to allow me the opportunity to make alternative arrangements for auto payments and other transactions. On the same day ( XXXX XXXX, XXXX  ), a pre-authorized auto-payment of {$1200.00} was attempted by XXXX XXXX , and was subsequently rejected and returned due to frozen account status, resulting in over {$65.00} in late fees and interest charges. USAA would not reimburse me for any charges that resulted from their undisclosed and unnecessary account freeze and fraud review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31
Company: Continental Finance Company, LLC
State: TX
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:
In accordance with the fair credit Reporting act XXXX has violated my rights.

15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late purpose.

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 2024-01-31
Company: Experian Information Solutions Inc.
State: MO
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:
Experian only lies and steals money and payment history. As usual I was notified about disputes ready to view and of course there not, PLOY TO ENGAGE AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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