BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
i have recently sent multiple letters on these dates XX/XX/XXXX and XX/XX/XXXX i also called and spoke to each beureaus representives and they all advised me to submit a complaint through the cfpb to have these un-authourized and unverifiable inquirys removed this is a violation of the fdcra since they have 30 days to respond and start a full investigation these inquirys are listed on my credit report by all three of these company 's XXXX equifax and XXXX  ( equifax ) 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. ( XXXX ) 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. ( XXXX ) 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: The Outsource Group, Inc
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. 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. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these accounts 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. Kindly discard the following accounts immediately. 
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 non-monetary relief
Consumer complaint received 2022-03-19
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/2019, I made my minimum payment the day after the due date. I was in the process of moving my daughter into her college dorm and there was so much to keep up with, that is was an oversight on my part. I made the payment the very next day. However, I'm not sure I understand how my payment is considered 30 days late when it was made one day after the due date. How is this possible? If you take a look at my account, you will see that I didn't have any late payments prior to this oversight. Please review my submission for a XXXX goodwill update to remove the 30 day late status and negative reporting from my credit file. Thank you.

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 2023-03-13
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My name is XXXX XXXX, I am a PayPal customer with email address XXXX I was using my PayPal account and PayPal requested for documents including my driver 's License, Bank statement and proof of address when my PayPal account was already verified.

PayPal restricted my account and said they would not remove the restrictions untill I submit the requested documents under the case Reference ID : XXXX I have then supplied PayPal with the information but my account restrictions has not still been removed.

I need this to be resolved by PayPal

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: WELLS FARGO & COMPANY
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I financed a car through Wells Fargo Auto back in XX/XX/2017. I have paid {$37000.00} per/contract. This loan was written for 72 months. Wells Fargo turned into the XXXX 82 months. I called and spoke to the main office about this and they would not admit it. I called again and spoke to someone else and they said that is how many months I owe on this car. I explained the contract was in the amount of {$37000.00}. The lady said I need to send her documents. I asked her if they did not have a copy of the contract. She stated " not all of it '' I sent copies through " text '' I get a letter in the mail stating that 82 months was correct. I turned this into my " State General Attorney office '' I tried to work with them. The title to my car belongs to me. I paid this contract in full. I feel they are " thieves '' I paid my payments per/contract. They stated I owed another year for late payments. My payments were made every month as agreed. I asked if I could change my due date because of my SS check being due the XXXX Wednesday of every month. The person I spoke to said " that will be no problem '' I can change your due date. When I addressed this with the main office " the gentleman '' said " that was denied. I asked him why I had not been notified. He said " just a miscommunication '' I guess. I told him that was a " mistake only in your favor '' he asked me what else he could do for me. That is how the answer was addressed by the main office.

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 2022-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent a letter requesting that you reinvestigate the disputed Accounts from my credit report as well as update these Accounts from my report during the investigation period. As of this date, you have failed to respond to my request. 

XXXX XXXX XXXX Balance {$0.00} It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

XXXX XXXX Balance {$2.00} Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows I never missed a payment. Please update it immediately. 

XXXX XXXX Balance {$400.00} The late history shouldn't be showing lates because I believe I paid on time. Please adjust the late payments from 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 non-monetary relief
Consumer complaint received 2020-03-23
Company: MRS BPO, LLC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received texts and calls from person/s indicating that they worked with MRS Associates debt collection about a debt owed to XXXX XXXX. I have zero knowledge of having any debts owed and the numbers do not match listed numbers for MRS Associates so I believe them to be completely fraudulent. 

The number that they called with is : XXXX They texted with : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I recently filed a complaing about Bank of America 's practices with my account so this is in a sense an update. This last credit card period of one month I was charged over 100 % interest on purchases ( charged {$36.00} in interest for {$31.00} in purchases ). The previous month 's interest was precisely correct, but this is not suprising as over time I have noticed a pattern of inconsistent interest charges and have usually been too busy to deal with it but am really upset at this point and hope to be fairly remunerated. 

A transfer I did not authorize was also made from my Bank of America checking account to an external linked account I have with another bank. 

Both of these events are disturbing and I really hope for an audit of my accounts to explain each, and all of the unfair interest I have been charged since opening the credit card account in 2014 to be remunerated.

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 2017-11-19
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a a unverified account from CREDIT COLLECTION SERVICES # XXXX. I had previously disputed this account. I have never done business with CREDIT COLLECTION SERVICES. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CREDIT COLLECTION SERVICES Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CREDIT COLLECTION SERVICES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In the month of XXXX, I sent my rent over to my landlord, and it was cashed up to my understanding. But later on, I realize that it was cashed by someone fraudulently it was not who my check was originally made up to it was made to a completely different entity, which I send out every month as you can see it is XXXX XXXX XXXX and it was cashed by XXXX XXXX what you could also tell that the check was altered from who it was originally sent you if you were to compare from the other checks from my previous months, you would see the difference and in my current months, he would also see if the check would be checked number XXXX and all Im looking for is a solution to be able to get my money back and have this rent paid. If not, I will definitely look into small court to be able to get this solved, and it wouldnt be any more for the amount on the check, it would be for more because I am being charge late fees from my landlord because of this matter. I have never made out a check to XXXX XXXX, so the fact that it is being mentioned that the check does not look altered. Please look into the check that was deposited and compare it to the previous checks of my rent which everything else matches perfectly except for the fact that the name was changed. There is also a report that the mailbox mail was stolen on the day that my check was put in the mailbox as this happened to another tenant in my building. Wells Fargo was not up to par protecting my funds as sometimes my debit card gets flagged for even XXXX dollars that I charge for fraud and it couldnt flag a check of over {$1000.00} made out to someone Ive never made out a check to. I request this to be fully investigated as XXXX XXXX has no relationship to me, and all my checks that have been sent to my right as it is shown at the bottom for XXXX rent it was not specified for anything else and it comes to be the same amount that it is every other month.

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 2023-03-13
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
American Express offers a feature to pay for each transaction you make during a statement period. This is a nice feature to allow consumers to try and reduce balances that are assessed interest. The problem is that American Express only allows the consumer to pay for up to 5 transactions per day and then locks you out from making anymore payments. Also, transactions over {$100.00} can not be paid and instead they offer the " Plan It '' feature, with most " plans '' being 24 months. A fee is assessed every month for this feature so obviously the longer the duration of the plan, the more American Express can collect in fees. If you don't opt for this, then that transaction is subject to interest at market rate. With this " Pay It '' feature, I paid off all 5 of my transactions for the billing cycle the day before my bill was due. On the day that my minimum bill was due, I attempted to make a payment in the app and was locked out of doing so. I attempted to call to make a payment but was transferred to a representative that claimed they too were unable to process a payment, that I would NOT be assessed a late fee, and that I would be able to pay that remaining balance the following business day. The due date was a Saturday, the payments were on a Friday and I went back to the app on Sunday where I not only was able to make that payment but I was also charged a late fee. I called to get American Express to honor the statements their representative made regarding no late fees and was told because I had recently had my request to reduce my interest approved, I was not eligible for a waver. This entire process is predatory and anti-consumer. The 5 payments/day and then locking consumers out of any further payments is clearly a sneaky way for American Express to charge late fees to further their profits on predatory intended practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-06
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX, Account name : # XXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case

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 2022-12-23
Company: Experian Information Solutions Inc.
State: TX
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 asked the credit bureauto perform a verification on the collections that are on my credit report. They have stated that all the accounts are accurate. While I performed a through research myself and find improperinaccuracies after they performed their research. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX .... Account Name : XXXX XXXX has violated my rights. 

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.

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 2022-02-11
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2022 XXXX XXXX XXXX contacted a relative of mine which is illegal regarding debt and telling them the amount i owe on it. it is said that they can not contact and tell anyone regarding this matter besides my spouse. I have also sent them a letter on XX/XX/2022 stating that to please to dispute the total amount owed on my account {$4300.00} and more. As well XXXX XXXX XXXX sent me a letter that said " if you write to us by XX/XX/2022 known as XX/XX/2022 we must stop collection on any amount you dispute until we send information that shows you owe the debt. However the credit card limit was {$4000.00} and I nearly have not spent that much money on it. 

In my first complaint I realized that I missed something and I could not edit or go back and edit this document. I nearly have not spent {$4000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
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: Account information incorrect

Complaint:
XXXX XXXX is reporting to the credit bureau that we are 30 days late on our XXXX payment. This information is incorrect. Our mortgage was paid by 3rd Party HAFS program. The program states our mortgage for XXXX was paid on XX/XX/XXXX. XXXX  has misplaced the payments or applied them to the wrong account. We are not responsible for incorrectly applied payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: EQUIFAX, 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:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$19000.00} ), XXXX XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$0.00} ), XXXX XXXX XXXX XXXX  ( Opened XXXX. XXXX, XXXX, Credit limit {$300.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Credit limit {$500.00} ), XXXX XXXX XXXX XXXX  XXXX Date Opened : XXXX. XXXX, XXXX, XXXX : {$0.00} ), XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$0.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation