BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-14
Company: ERC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection letter on XX/XX/2020 from ERC, XXXX. XXXX   XXXX, XXXX  XXXX, XXXX, PA XXXX and mailing address ERC, XXXX. XXXX XXXX, XXXX, FL XXXX stating that I had an unpaid balance with XXXX XXXX XXXX XXXX in the amount of {$630.00}. The letter was dated XX/XX/2020. 

The letter included payment options, a payment stub, and return envelope. The account number listed is XXXX and reference number, XXXX. The letter states that " This serves as a notice to you the ERC has been authorized to report your delinquent account to the national credit bureaus when allowed by applicable law. '' The letter has my name and address, but I have never had an account with XXXX XXXX XXXX XXXX. I called the toll-free number XXXX on XX/XX/2020 at XXXX and talked with a representative to ask why I had received this. The rep asked me to verify my name and address and last four digits of my SSN. I told him that I would give my name and address because they were on the letter but not my SSN. He then said  that he would read to me the SSN that ERC has on file with this reference number and asked if I could verify. The numbers he shared were not mine and I told him so. He then said that I could disregard the letter because I was not this person. I asked what I needed to do next because my name and address are tied with this account and he told me again to just disregard. Because of this, I have now been placed in the position of questioning whether or not this account will be reported as mine with national credit bureaus and will have to monitor for some months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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 2021-06-25
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/XXXX, i contacted American Express regarding my long standing relationship with them since XXXX. 
Todate, the company has not made CLEAR about, why my long EXCELLENT history is no being reflected with ALL MAJOR CREDIT BUREAUS. 
I AM AN XXXX XXXX, WHO WOULD DEFINITELY BENEFIT from the truth of this credit information being reported accurately, Yet, AMERICAN EXPRESS seems to SELECTIVELY want to deminish my current information that they imprint on the very credit cards i hold in good standing todate. Member since ( XXXX ). I am ANGUISHED and hurt By this unfair reporting to the bureau 's. Seems they know that if they reported the truth, it would benefit from credit rating FAVORABLY. this to me, seem to be a way to hold XXXX XXXX of XXXX from fairness in the credit systems. I'm seeking to buy a home, in one of the most EXPENSIVE states in this country. 
What American Express is reporting todate is less than five years to the current credit bureaus, just enough to keep me In the red Zone with the BUREAU 'S To look like, with Lenders that I'm not trust worthy enough. 

THIS ALSO REMIND ME OF HOW XXXX WERE TREATED IN XXXX WHEN THEY WENT IN PERSON TO CAST THEIR VOTE. 

I AM OUTRAGED, OF THIS BLOCKING BARRIER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
XXXX Spoke with Navient about the paperwork for a economic hardship forebearance. They told me that I do not qualify- even though I make a 1/3 of what I was making last year at this time and make less than {$2000.00} a month. They also told me that they do not figure in living expenses or other expenses when refinancing or lowering payments. Just what you make. I make too much to qualify for this this type of deferment ( according to them ) and might be able to get a 30 Day Disaster Forbearance in XXXX. I am unable, at this time, to work 40 hours a week and pay this loan ( I make {$31000.00} a year vs what I made last year : {$72000.00}. 
I am unsure of their qualifications for Economic Hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello I did a request to the bank Loan care to removal mortgage insurance from my conventional loan because property has more than 20 % equity and up, so I sent the request XX/XX/2023 because they told me that after XXXX mid I have available to asked it but unfortunately they are not giving me any feedback or specific answer or call or email from that date, why they need to wait more than 1 month to remove a PMI that I dont need to pay anymore because my property has a lot remodeling and is value up to XXXX XXXXXXXX currently. So I owe just XXXX XXXXXXXX in the property and I have more than 20 % equity, so I dont want to keep pay month and monthly this PMI unfairly!! So why they have other friend that requested removed the PMI from them credit and they answered VERY FAST! SO WHY THEY ARE NOT DOING THE NECESSARY TO REMOVAL IT IN FAIR TIME??? So I have today 1 month since I requested it to removal and they are not giving me any answer or call, so???? Why??? I dont have payments delays. 
Please can you help me to see why they are taking long time to do it?? Thank you in advance

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 2023-05-27
Company: Block, Inc.
State: IL
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:
Cash app, my purchase was paid for XX/XX/2023 and cash app took {$100.00} from my account today XX/XX/2023 saying it was a glitch in XXXX. I was never informed, my merchant states I paid, cash app transactions showed it paid, now they are saying 60+ days later it is correct now! I think they have stole my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: EQUIFAX, 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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: JPMORGAN CHASE & CO.
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 JPMCB CARD XXXXXXXX. 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 JPMCB CARD 's customer service representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Bank account at Truist at XXXX XXXX XXXX XXXX XXXX XXXX brookneal, va phone XXXX There were 2 transactions that charged to my debit card one on XX/XX/2023 and one on XX/XX/2023. 
I reached out to Truist fraud department and filed two claims XXXX and XXXX. 
They quickly replied that i did make these transactions, in which i did not. They said that i would have to prove that i would have to show proof. They said the transactions were made thru XXXX. 
I contacted paypal and got a listing of all transactions made from XXXX  XXXX to XX/XX/XXXX, and it showed no transactions was made to XXXXXXXX. 
This is what showed on my debit card account XXXX XXXX XXXX. {$72.00} XXXX XXXX XXXX {$940.00} These are the amounts that were charge to my debit card checking account. 
XXXX does not show any transaction related to this. 
It seems like someone gotten into my account through their server. lately i have not had any response from them. I would like for them to put my money back into my account. and to do a deeper investigation into what happened.

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 2021-09-25
Company: CCS Financial Services, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I acquired insurance with XXXX XXXX in XX/XX/2021. I set up automatic payment and every month I had a problem with something from them accidentally deleting vehicles and then adding them back. When XXXX bill hit my account it went from XXXX to XXXX for the month the bill was due on XX/XX/XXXX and I canceled the policy on XX/XX/XXXX looking for a refund of 10 days instead I got a bill of XXXX. Nobody can tell me why I will be paying this when I never missed a payment and they add a premium after my insurance was already canceled. I disputed this with the credit bureau and I dont believe they should be able to charge anyone for a policy once its canceled.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Self Financial Inc.
State: IL
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:
Self Inc wrongfully charged my card for XXXX randomly. My bill is only {$25.00} a month. They took XXXX XXXX dollars at my account without me knowing, and then lied like they never received it! They closed my account and my payout was supposed to {$520.00}. They then CHANGED it to {$74.00}!!! Talking about they just put that after it closes but REFUSE to give me my {$520.00} that they stole! This is so disheartening in times like these. I thought they were good for building credit, but no only fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, and # XXXX, has violated my rights. 16 U.S.C 1681 section 602 A. States | have the right to privacy. 16 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
As of XX/XX/XXXX  The Credit bureaus stated Account Name XXXX XXXX XXXX & Account # XXXX**** was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these agencies written permission to furnish these accounts on 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 2020-11-11
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX XXXX Is reporting that I owe {$280.00} acc # XXXX and {$490.00} acc # XXXX The accounts show that the account was opened XX/XX/XXXX, and the other XX/XX/XXXX which is incorrect, It was requested that proof and validity of debt was provided, and sufficient evidence was not provided

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 2023-09-18
Company: First Advantage LNS Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX. I received an email from a collection company by the name of XXXX XXXX XXXX XXXX in behalf of XXXX XXXX XXXX. For an amount of XXXX. Upon further investigation and legal deligences, I filed a complaint with the XXXX XXXX XXXX and agree to have a conference in regards to revision of the Leasing agreement aging from XXXX fear of possible consequences to my credit history I started making payments on XXXX, the first payment been on XX/XX/XXXX - XXXX XXXX Upon, complete revision " XXXX XXXX decided in XXXX XXXX management with a revision. The committed, has removed the recovery fee charge of XXXX because there is nothing in the lease to support that charge. After the revision was made and with the other charges justified the resident owes the property {$750.00}. '' My most recent payment was on XX/XX/XXXX XXXX, having a remaining balance of XXXX, which payment XXXX make before XX/XX/XXXX. The charge amount by collection reflects a credit negative remark of {$990.00}, which amount is incorrect. 

Best regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
I have disputed fraudulent transactions on the XXXX account and disputed the inaccurate derogatory reporting to the credit bureaus for years, but none have done anything to correct the problem. Even nowXXXX XXXX months after receiving an XXXX  XXXX XXXX from XXXX Bank in XX/XX/2022, they are still reporting monthly derogatory and harassing statements and data to credit reports and inaccurate account date with an outstanding balance and severe delinquencies. 
In their letter to me they stated they will continue to report the inaccurate information to credit Bureaus until I ask them to stop. This is unacceptable purposefully harmful behavior and harassment that they intend to continue until the XXXX year data cutoff. 
Their harassment and behavior can only be to continue to inflict more harm and more damage to my personal and financial security. 
Ive requested they stop and correct the record and issue a statement to me and forward the details of their harassing behavior and steps they are taking to resolve the emotional, financial, punitive and pain and suffering they have caused and continue to cause me so can restore the damage they have inflicted.

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 2022-03-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was contacted on XX/XX/2022 by a man saying he was from Wells Fargo Bank Online Fraud Detection. He told me that {$5000.00} had been put in my account by mistake. He needed my permission to take this money out and told me the money did not belong to me. I gave permission but then I thought maybe I made a mistake. I called Wells Fargo immediately and told them what happened. The Wells Fargo representative checked my account and said that {$5000.00} had been transferred out already. The next day, I went to my Wells Fargo branch and reported it to them. I spoke with the Wells Fargo fraud department at that time and they told me they would open an investigation. 
I called the bank on XX/XX/2022 to check on the investigation because I had not heard anything. The money was not returned to my account. I spoke with XXXX, who told me the money was taken by wire out of my account and sent to XXXX Bank. He said that Wells Fargo had requested from XXXX XXXX that they return the money to Wells Fargo. XXXX XXXX told them that the money was already gone from that account and they could not send it back to Wells Fargo. So the money was lost. I asked XXXX about XXXX XXXX and if it applied to my situation. He told me no, because XXXX XXXX covered fraud but this was a scam, not fraud. So I can not get my {$5000.00} back from them. He told me a letter was already sent to me about this. I did receive a letter later that day which said, " As the money will not be returned from the receiving bank, we are not able to reimburse you. At this time, we consider your inquiry closed. '' I am filing this complaint because I think a scam is a kind of fraud and I think that Wells Fargo, to be in compliance with XXXX XXXX, should return my money.

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 2023-09-17
Company: FORD MOTOR CREDIT CO.
State: FL
Product: Credit reporting 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:
there are 4 inquires on my credit profile that i do not recognize, i have contacted transunion 4 times now about it and it still is showing on my profile. these inquiries are XXXX XXXX XXXX ( Bank ) XX/XX/2023 XXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX XXXX ( Auto ) XX/XX/2023 XXXX  XXXX ( Bank ) XX/XX/2023 I never attempted to get these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: DISCOVER BANK
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: Account status incorrect

Complaint:
I have disputed fraudulent transactions on the XXXX account and disputed the inaccurate derogatory reporting to the credit bureaus for years, but none have done anything to correct the problem. Even now, XXXX  months after receiving an XXXX  XXXX XXXX from Discover Bank in XX/XX/2022, they are still reporting monthly derogatory and harassing statements and data to credit reports and inaccurate account date with an outstanding balance and severe delinquencies. 
In their letter to me they stated they will continue to report the inaccurate information to credit Bureaus until I ask them to stop. This is unacceptable purposefully harmful behavior and harassment that they intend to continue until the XXXX year data cutoff. 
Their harassment and behavior can only be to continue to inflict more harm and more damage to my personal and financial security. 
Ive requested they stop and correct the record and issue a statement to me and forward the details of their harassing behavior and steps they are taking to resolve the emotional, financial, punitive and pain and suffering they have caused and continue to cause me so can restore the damage they have inflicted.

Company response to consumer: Closed with explanation