BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-02
Company: Greenberg, Grant & Richards Inc.
State: CA
Product: Debt collection
Sub-product: Other 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:
XXXX XXXX a rep for GREENBERG , GRANT & RICHARDS INC. located at XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX contacted me on XX/XX/XXXX about collections with quickbooks over payroll. My company missed payroll in XXXX and XXXX covered it. I had a XXXX XXXX during this time and my mother in law died a few days later. This was no excuse, but I was going through a lot. I had every intent to pay this debt. XXXX XXXX XXXX stated that he worked for a law firm and had been retained to take care of this matter. He implied he was a lawyer, when he is not. He stated that XXXX has a zero tolerance towards payroll and my failing to cover payroll could be construed as intentionally committing fraud which is a felony. He stated to me that he would prefer to get this handled before they " go this route '' but I had to start making payments now. All I had was XXXX which I paid. He wanted another XXXX on a specified date and the remaining amount on another specified date. I am seriously ill. I missed the second payment because receivables had not cleared my business accounts. When the payment was missed, he stated that I had committed multiple felonies with the intent to commit fraud that crossed state lines. I told him that I was trying but having serious health issues and family issues. I paid the XXXX a few days later and was told I could pay the rest at the end of XX/XX/XXXX. A few days later while being with my mother on her death bed ( she died that day ), I was again harassed by XXXX XXXX about payment ( though he already told me I had until the end of XXXX ). On XX/XX/XXXX I paid the debt in full to XXXX XXXX XXXX. 

I realize I owed a debt. The tactics though by XXXX XXXX XXXX should be considered illegal. Having a XXXX XXXX, mother in law die, then my own mother dying and then having to endure threats by XXXX XXXX is unacceptable. I have copy of emails that shows the threats. My wife was present when he represented himself as an attorney. 

I have 3 master degrees, graduated from XXXX XXXX  ( not an attorney ) and I am a former XXXX XXXX. SO I know the laws. I know the actions that he made to try to intimidate me are illegal. Quoting the law and implying he was an attorney could also be construed as practicing law without having a bar card with the state of California. I want a formal investigation done on this individual and appropriate fines against GREENBERG , GRANT & RICHARDS INC.who is vicariously liable for the conduct of their employees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
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:
I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I recently discovered that {$220000.00} in monies left to me by my late grandmother were wrongfully kept by Wells Fargo without my permission. After my grandmother passed away, she bequeathed certain funds to me. Rather than advise me of this bequeath from my grandmother, Wells Fargo secretly opened an account in my name, without my permission or knowledge. Wells Fargo illegally kept this account open for at least one year before advising me of the existence of the account. To date, Wells Fargo has failed to advise me of which transactions or trades were made ( if any ), the opening balance of the account, whether any funds were transferred or diverted to other accounts, why such transfers ( if any ) were made, and an explanation as to why the account was kept in my name for a year without Wells Fargo attempting to advise me of same. Additionally, Wells Fargo is legally required to mail me monthly account statements and never sent a single one in a year. I am lawfully entitled to this information. I asked for this information and Wells Fargo failed to send me any information or statements fro XXXX  through the present. Also, Wells Fargo claimed that monthly statements were mailed to me, but none were. And Wells Fargo failed to produce any of the monthly statements allegedly mailed 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 explanation
Consumer complaint received 2022-12-27
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Referring to Section 623 of the Fair Credit Reporting Act and contacts the data furnisher to prove that a debt belongs to the company. Also, what method did they use to verify the account. The credit bureaus have denied me the right to dispute this, I want to see how they verified this account. I wholeheartedly deny these accounts as mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I received a letter from my mortgage company, Select Portfolio Servicing stating they're adding PMI to my loan that I've had since XXXX XXXX. I've never had to pay PMI. 
First they add flood insurance to my loan despite a FEMA certificate showing I'm not in a flood plane and it took me more than a year of fight with Select Portfolio Servicing to remove it. Now they're adding PMI to my mortgage and my home has doubled in value. 
Select Portfolio Servicing based in XXXX XXXX XXXX, Utah, ( XXXX XXXX, UT ) XXXX ) are criminals in the mortgage business and will continue to add insurance or any fee they can from their partner companies to steal from consumers. 
They're refusing to remove the PMI which is causing a financial burden and is against the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: IN
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:
I am writing this letter to formally dispute the accuracy and completeness of credit information being reported by your agency. Under the provisions of federal consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ) and the Metro 2 Reporting Guidelines, I request that you conduct a thorough investigation and verification of the account details in question. 

The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), mandates that credit reporting agencies must physically verify the original signed consumer contract for every account they include in a credit report. This verification process is crucial to ensure the authenticity and legitimacy of the information you disclose. By failing to adhere to this requirement, your reporting services could be susceptible to fraudulent accounts, negatively impacting consumers like myself. 

I hereby demand to receive verifiable proof, such as an original consumer contract bearing my signature, for the account listed below : XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX As per the FCRA, unverifiable accounts must be promptly removed from my credit report. In the absence of providing documented proof within the stipulated timeframe, you are obligated to delete the aforementioned account from my credit file. 

Moreover, I also request the removal of all non-account holding inquiries that are older than 30 days. Additionally, please add a promotional suppression to my credit file, as per the relevant consumer laws. 

I am well aware that the FCRA mandates a thirty ( 30 ) day period for your re-investigation of this dispute. Within fifteen ( 15 ) days of the conclusion of your re-investigation, I expect a description of the process utilized to assess the accuracy and completeness of the material in question. 

I emphasize that my rights under the FCRA and other consumer protection laws must be upheld, and I trust that your agency will act in compliance with these regulations. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2023-05-01
Company: CITIBANK, N.A.
State: NV
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased ( with Citi credit card ) some furniture from XXXX XXXX back in XXXX, XXXX. Was given delivery dates for this furniture. Merchant failed to deliver as scheduled, and after much back and forth, I cancelled the order ; never having received anything from this merchant. Merchant refused to reverse the credit card charge because they had no record of charging me ( later admitting this was their accounting error ). I then contacted my CC company ( Citicard ) and disputed the charge, with explanation. Citi initially removed the charge from my account. Over the past few weeks, a representative of the merchant contacted me via email and telephone and acknowledged the problem, and admitted that the merchant made errors in the transaction and they had no record of my credit card, despite charging me the full amount of the purchase. On XX/XX/XXXX, Citi notified me that their investigation was complete, and I was responsible for the charge. 

I have provided Citi with multiple documents outlining this situation, including my credit card receipt ( I was never invoiced for the goods ) and the email acknowledgement from the merchant that I am owed a refund. Despite this documentation, Citi refuses to honor my request for a full credit. 

I received absolutely nothing from the merchant, and as such I am deserving of a full and complete refund for the charge. I have spoken to numerous people in the " Dispute '' department at Citi over the past 2 days, they refuse to allow me to speak with a supervisor, and refuse to offer any further assistance with my issue. 

To restate, I was charged in full on my credit card for goods never received. Merchant has acknowledged the order cancellation, yet Citi refuses to reverse the charge ; in effect forcing me to be financially responsible for good never received.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-29
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I live at one address and that is XXXX XXXX XXXX XXXX XXXX Illinois XXXX. Thats the only address that suppose to be on all 3 of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX XXXX, I wrote to you requesting an investigation into items that I believed were 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14,1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
From the first week we attained our loan from Credit Acceptance and drove our Vehicle off of XXXX XXXX XXXX XXXXXXXX Lot we have had continual issues with the vehicle, we were denied use of the additional services we paid {$2500.00} cash for, the warranty was fraudulently sold and unusable due to the state of the vehicle and the parts on it at the time of purchase. We are being charged XXXX in interest for a XXXX loan? We were not shown many of the deceptive things that are in our paperwork. XXXX XXXXXXXX XXXX  the sales women at XXXX XXXX XXXX was deceptive from telling use the car warranty was included in our loan and that the change in the cars price was due to a higher interest rate. My husband nor myself had jobs upon purchasing the vehicle. We contacted the bank telling them that we could not find anyone to take the warranty and if they could help. They said unfortunately no. The warranty company could not supply a list not could the dealership. The dear ship. We finally found a shop and the car sat for 7 months. XXXX XXXX approved the car repairs but we had to wait for them to inspect our truck. They never came repeated calls from the mechanic. We called the bank- they refused to file a complaint told me that if I had a lawyer they could speak with she would file a complaint. no lawyer no supervisor, no escalation. no complaints. XXXX XXXX XXXX refuses to return phone calls and XXXX XXXX denies repairs that care covered under our warranty. The three companies are working together to defraud Americans. They have completely destroyed my families finances. It took us 6 months to find someone to give us a loan after our transmission blew. I was XXXX with XXXX kids. My husband and I had no car and signed a loan with credit acceptance to purchase a vehicle from XXXX XXXX XXXX  with a warranty and a 22 percent interest rate. How is it XXXX for XXXX loan I gave them XXXX cash upfront? I cant leave my house and my trucks been in the shop waiting for someone to pay for repairs for 15 months. the truck is still there in pieces as XXXX XXXX told the mechanic to dissemble my truck. the three companies are working together to deceive buyers. WE bought a XXXX vehicle, paid XXXX cash and ended up with a XXXX loan from credit acceptance. For a truck that was inoperable after 3 months of ownership.

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 2024-01-11
Company: WELLS FARGO & COMPANY
State: MN
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:
I was buying a product from an online seller. I was scammed out of it and have not gotten the product. The shipping company and the person combined cost me XXXX XXXX I filed a claim with wells fargo and they denied it. Im XXXX and this money is what im using to pay college. I was scammed out of it. I feel I was wrongfully denied.

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 2023-11-21
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I have thoroughly reviewed my credit report and i would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts.

1. 5 U.S code 1681i paragraph 5 any information disputed by a consumer found to to be inaccurate or incomplete or can not be verified shall promptly delete from my credit profile or modify that item of information as appropriate based on the results of XXXX XXXX XXXX  Account Number : XXXX This is a violation of my rights. Please delete 2. 15 u.s. Code 1681 Congressional findings and statement of purpose ( a ) it states accuracy and fairness of credit reporting date opened is not accurate date of last activity is inconsistent XXXX XXXX Account XXXX : XXXX This is a violation of my rights. Please delete 3. 15 u.s. Code 1681 Congressional findings and statement of purpose ( a ) it states accuracy and fairness of credit reporting date opened is not Accurate last reported is not Accurate XXXX  Account Number : XXXX This is a violation of my rights. Please delete 4. 15 U.S. code 1681e ( b ) compliance procedures Accuracy of report High balance is not accurate accross all credit bureau date of last activity is not accurate date opened is not accurate across all credit bureau XXXX Account XXXX : XXXX This is a violation of my rights. Please delete 5. 15 u.s. Code 1681 Congressional findings and statement of purpose ( a ) it states accuracy and fairness of credit reporting date opened is not Accurate last reported is not Accurate XXXX Account Number : XXXX This is a violation of my rights. Please delete 6. 5 U.S code 1681i paragraph 5 any information disputed by a consumer found to to be inaccurate or incomplete or can not be verified shall promptly delete from my credit profile or modify that item of information as appropriate based on the results of XXXX XXXX XXXX XXXXccount Number : XXXX This is a violation of my rights. Please delete XXXX. The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit 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 2023-05-01
Company: Experian Information Solutions Inc.
State: PA
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:
I did not authorize XXXX to run my credit, this information is incorrect.

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 2023-05-01
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with explanation