BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
On XX/XX/XXXX I received a text message asking me to approve a transaction at a XXXX on my Bank of America credit card. I wasn't at a XXXX and hadn't made a purchase so I denied it. I was told to look at my account and check if I saw any other strange charges. When I checked my account there had been two charges on my card I didn't recognize in XXXX, NY at an eyewear store totalling in {$4000.00}. I called the bank to file a fraud claim and was told they would look into it, meanwhile they would issue me a credit. I had recently added an authorized user to my account and I was waiting for this card to arrive in the mail, but it never did. I informed the customer service representative that was my feeling of how my card was probably used. She apologized and issued new cards for me and the authorized user. On XX/XX/XXXX I looked at my credit card balance online and noticed that the card once again had the added balance. I called immediately and spoke to a representative named XXXX. He asked if I had received a letter about my claim. I said I hadn't. He said he'd looked into it and it seemed like there had been a mistake on their part and that my claim was denied in error. That he would credit the balance back to my card. On XXXX the balance was still on my card, I called again. The customer service representative informed me that my claim had been denied and that I hadn't been granted to have my balance restored. The investigation was reopened and I was responsible for the balance until any further decision. I asked the representative for documentation of my claim and all the notes that had been taken as well as the documentation of the process of the investigation, and the recording with XXXX where he said my claim had been erroneously denied. She denied being able to provide me with that information but that she would put in a request, but couldn't guarantee I would receive it. She said I should have filed a police report, something none of the previous agents I had spoken with suggested. I've never been to XXXX, NY and I never received the card for the authorized user I requested, only the reissued card the first customer service agent in the fraud dept I spoke with sent. I asked if any security footage at the store the fraudulent charge had taken place at was pulled or if the original card I was issued and never received had been traced. I wasn't given an answer.

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 2023-09-18
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a letter to the Credit Bureaus to delete these suspicious items. 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. These were already included in my prior COMPLAINT and I'm including them 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

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 2023-10-04
Company: Grain Technology, Inc.
State: MI
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Grain has XXXX of reviews everyone is having the same issues. A few months ago they dropped my credit score from giving me late payments on my report even when I paid them. And then they did start taking payments because I was always set up for auto payment. I just received a message saying tomorrow my account will be late 30 days for some reason they have not taken a payment and decided to send a notice 1 day before trying to lower my credit again. I make good money have at least XXXX in this account so its not from lack of funds. They sent a link I clicked the link and got an error message and I havent been able to log into my account for a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Experian Information Solutions Inc.
State: WA
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:
I was shopping for a mortgage during XX/XX/XXXX, XXXX XXXX, XXXX. I had a hard credit inquiry on XX/XX/XXXX and another on XX/XX/XXXX ( from two mortgage brokers ). Experian posted the hard inquiries separately on my credit report even though they were for the purpose of finding the best rate, and within 20 days of each other. The Experian website even states that the two should be only counted as one hard inquiry. I have spent considerable time on the phone with Experian, with them finely telling me yesterday that the two inquiries weren't in the same month so they weren't considered as one hard credit inquiry. That is not consistent with the FICO procedures.

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 2022-06-14
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was scammed trying to sell a product and the guy deposited a check and before it was bounced he took money and transferred through XXXX transactions through XXXX. He overdrafted my account and the bank is denying my claims.

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 2021-04-01
Company: Experian Information Solutions Inc.
State: MD
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: Investigation took more than 30 days

Complaint:
I sent XXXX XXXX a goodwill letter to ask to have account removed from three credit reporting agencies in XXXX, XXXX & XXXX of 2020. The account is paid and closed XX/XX/2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For the past three months I've received a phone call from iq data International nearly every other day. Whenever I answer they ask for me by name but when I ask who's calling they refuse to say who they are with, the agent gives his name XXXX but then when I ask the company he's calling for he says does it matter? Absolutely refuses to tell me who he's with and gets very rude when i ask questions. I only know it's iq data international by calling the number back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Company continues to report balance owed however I sent a debt validation letter over 30 days ago and received no written notification back or a contract from the debt collector showing how I owe this bill. The amount of the debt is lowering however I am not making any payments on this account as I have no information about the account. I have disputed this account with the credit bureaus and it keeps coming back verified however no information has been provided on how this debt is actually valid and how does this debt belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Hi, My name is XXXX XXXX in which respectively I have submitted disputes to Experian and XXXX on the XXXX of XXXX and they have failed to get back to me and respond regarding my issues. XXXX fails to respond and meet my demands in which I submitted an FTC report as I had my identity compromised on the dark web and Experian has failed to send me an email update from when I reached out to them in XXXX. It has been a substantial amount of time and I contacted them via certified mail which hasn't came back about some collection accounts in my name that I want fixed and removed off my credit report that aren't mine. I am reaching out to the cfpb in the hopes of helping me to fix and address these issues as me reaching out to them has not been enough.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This collection company levied my bank account and left me with XXXX dollars without any notification of a debt. When I spoke to them they indicated it was a debt from 2004. I asked for proof where the debt collections was sent to and the represantive was not able to confirm where it was sent, she kept throwing different addresses at me. I have not received a phone call or letter from this collector. In addition, I was not served with a levy from anyone or a notification of a judgement. They took my money I need to support myself and my family without any indication. I don't even have XXXX cents to buy a candy if I wanted to. This is unfair practice and should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I made a {$3000.00} down payment on a car at XXXX XXXX XXXX CT from my Wells Fargo Checking Account on XX/XX/2023. The payment didn't seem to go through and XXXX XXXX said they never received the {$3000.00} from Wells Fargo. I never received the {$3000.00} back into my Checking Account after this unsuccessful transaction. My son paid for the down payment in the amount of {$3500.00}. I opened a claim with Wells Fargo to resolve my missing {$3000.00}, but they are denying my claim.

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 2023-06-12
Company: SYNCHRONY FINANCIAL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
During the year XXXX  my husband was XXXX of XXXX. I had to contact a debt management company for help. The following companies agreed to close the accounts for less than the money owed. They listed the accounts as XXXX on my credit report. I would like to try to have them removed as I am in the process of applying for a mortgage and they are bringing down my credit score. Since that time, I have not had delinquent accounts and I am hoping to get this cleared from my report asap. 
XXXX XXXX XXXX XXXX Can you please help me remove these charge off accounts?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: Square Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Cash app allowed fraudulent withdrawals on my account in XXXX XXXX most of these took place on XX/XX/2021. These where withdrawals that would require me to approve which I did not. Also I did not know one of the people on the list.They all took place betweenn XXXX ; XXXXXX/XX/XXXX to XXXX ; XXXXXX/XX/XXXX. They where all in California.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I recieved an email from Bluebird by Amex, telling me me that my account had been permanently closed after 7 years of use, for no reason, and that I needed to write them a letter just to ask a question! There are several XXXX dollars in the account from my federal imcome tax and unemployment. I desperately need this money and now it has basically vanished and the customer service rep I spoke to told me they couldnt give me any information and that they can legally keep my remaining money. Its outright theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-01
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was called by an agent of Jefferson Capital Systems , LLC, who stated that they were attempting to collect a debt to XXXX in the amount of {$98.00} and change.. 

I checked my XXXX records going back 3 years. There are no transactions listed in the {$80.00} to {$100.00} dollar range.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: MOHELA
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am requesting the full accounting file for both the private and public sides of the ledger for account number XXXX. The ledgers of this account will show any checks or payments made to me by Mohela that I am required to pay back. I am aware that I provided a promissory note as collateral for this transaction and the amount of the promissory note is considered is equal to the sum of what is alleged that I owe. If there is any interest made on this account, I as the account holder am entitled to all rights, interest and dividends and demand that they be released and paid to me immediately Mohela claims to be a servicer for the Department of Education which is a subsidy of the United States. However, they do not have the power to collect on behalf of the United States. The head of executive, judicial, or legislative agency are the only parties that can collect on behalf of the United States. To my knowledge, Mohela is not an executive, judicial or legislative agency. Mohela continues to send me statements asking for payment when I do not owe them anything. 

I am requesting that this company cease and desist any further communication with me through any medium including reporting to any consumer reporting agency. I wish to opt out of any further reporting of the above account. 

As this company is currently in possession of my personal non-public information without authority or consent and using the information to extort payments from me, they are guilty of aggravated identity theft. Using the personal information of another person without consent is the definition of ID Theft according to the FTC. Any further claims of money being owed to this company will result in a federal lawsuit for damages related to making a false claim, securities fraud, and defamation of character. 

I am demanding that Mohela delete all accounts reporting on my consumer report as these are unauthorized accounts and I have not provided consent for the reporting of these accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a personal loan with the company XXXX XXXX  which is current and have no late payments history, but Experian is reporting inaccurately delinquency on this account late payments which is incorrect as evidenced in the payment history statement of the lender and is still reporting incorrectly and inaccurately after I sent them a request to correct this information. This error in the reporting is extremely hurting my credit and causing me severe stress and anxiety because of this. I demand that Experian immediately fix the reporting on this account.

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 2022-03-15
Company: Debt Recovery Solutions, LLC
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I took a title loan in XX/XX/XXXX and paid it on XX/XX/XXXX. About a week ago I got an alert from XXXX about being on collections. Debt Recovery Somutions DRS, XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX. I have emailed them so many times asking to remove it. I gave sent proof that the debt was paid. XXXX XXXX told me that they did not sell my account because it shows XXXX balance. DRS after seeing my documents refused to remove it. They want me to pay {$400.00} and I think this is fraud. The name of the owner is XXXX XXXX. My name is XXXX XXXX, XXXX XXXX XXXX, XXXX, La XXXX. XXXX XXXX. Reference # with DRS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions 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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as 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 2023-02-21
Company: W&A Intermediate Co., LLC
State: TX
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:
XXXX XXXX XXXX apartment says I owe them {$15000.00} but Ive never lived there nor applied! I asked for a copy of the original application and it had an entire different social security number on it. Ive constantly tried to get this removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining 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 Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: NC
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 am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 explanation
Consumer complaint received 2023-12-13
Company: FinCo Services Inc DBA Current
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Friday XXXX XXXX  I contacted current to dispute multiple transactions made on my debit card. They were unauthorized transfers and then spends. I had not used this account in months and they unauthorized transfers were being made from a remote device in XXXX. The dispute was filed and then closed the following Monday. Customer support was unable to answer the reason as to why, and in the last current has stated their disputes team works during business hours Monday-Friday. I do not believe this dispute was actually investigated, current has multiple accusations of fraud made by them, multiple violations of normal banking guidelines, and does not provide customer support in an adequate manner. I am asking my funds be returned to me asap, or that current is investigated and that their doors closed due to massive customer negligence.

Company response to consumer: Closed with explanation