BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-02
Company: Experian Information Solutions Inc.
State: NM
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 and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong 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 2022-05-23
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Crown asset management ( fl ) bought old debt I had disputed and removed off my credit. They began contacting me I believe in the late XXXX early XXXX of 2020. I told them to stop calling me because at this time I knew that they brought a case against me in court and I told them to let it be settled there. They still continue to call and also began to email I responded in writing in email, to stop harassing me, calling me and emailing me to let it be settled in court on XX/XX/2020 they emailed me again from an email that's not unmonitored because it says in the email 'respond here if you would like to settle " I responded told them once again, to stop harassing me to cease communication no more calls no more emails and then on XX/XX/XXXX they still emailed me once again at this time I reminded them again that I've already asked them to stop contacting me harassing me calling me emailing me not to reach out to me anymore reminded them that I requested to just let it be settled in court after this last time they finally did cease communication but luckily not after I saved proof in the emails

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: Experian Information Solutions Inc.
State: MS
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:
This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$890.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$890.00}

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 2022-02-11
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XX/XX/2022 Suntrust is rearrange sequencing and charging orverdraft fees to my account. Also, I e had overdraft capability turned off on my account and should not even have transactions go through because I turned off the feature. I went to check to ensure it was turned off today XX/XX/2022 and it was and updated it again. I was charged for a subscription and the XXXX in my account and they dont even have a valid debit card, so Im not understanding why Im being charged. Rearrange sequencing should be illegal and by not honoring the fact that I have turned off overdraft protection, no items should go through.

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 2023-05-08
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I XXXX XXXX have evaluated my consumer credit report that you have assumed a vital role in assembling for me as the consumer. The fair credit reporting act was intended to ensure that you exercise your grave responsibility with fairness, impartiality and respect for the consumers right to privacy. According to congress you are required to adopt reasonable procedures for meeting the needs of commerce in a manner which is fair and equitable to me with regard to the confidentiality, accuracy, relevancy and proper utilization of said information. It is made clear by congress that I have a right to PRIVACY as a federally protected consumer! My right to privacy has continually been violated, disregarded and disrespected which is a direct violation of the FRCA and the Gramm Leach Bailey Act. I did not consent and or authorized for you or the people mentioned below to use and or share my nonpublic personal information. No consent or authorization id IDENTITY THEFT! I XXXX XXXX demand to cease and desist. Pursuant to 15 use 1681a ( 2 ) congress makes is very clear that a consumer does not contain any transactions and or experiences. I am demanding for the following transactions and or experiences to be updated as a result of this in accordance with my written instructions. 

XXXX. XXXX XXXX XX/XX/XXXX DELETE XXXX. XXXX XX/XX/XXXX DELETE XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX DELETE XXXX. XXXX XXXXXX/XX/XXXX DELETE XXXX. XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX DELETE XXXX. XXXX XX/XX/XXXX DELETE XXXX XXXX XXXXXXXX XX/XX/XXXX DELETE XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX DELETE XXXX. XXXX XXXXXX/XX/XXXX DELETE XXXX. XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX. XXXX XX/XX/XXXX DELETE XXXX. XXXX bank XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX DELETE XXXX. XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  DELETE XXXX. XXXX XXXX XXXXXX/XX/XXXX DELETE XXXX. XXXX XXXX XXXXXX/XX/XXXX DELETE Pursuant to 15 USC 1681c-2 ( a ) you have 4 days from the date of this notice to comply with my demands as set forth in the context above. This is and will be my first and final attempt to resolve this as I am prepared to litigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: TRANSWORLD SYSTEMS INC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/19 disputed Transworld System Acct # XXXX for the XXXX XXXX. I paid money to them when and I had insurance. I was told to pay an amount before I even had XXXX and Ive never received anything else from them. Ive attempted several times to get a copy of the invoice from transworld they told me that the collector that sold the account to them. Didnt provide them with one and they would have to get it or I could call. I did that and nothing. Ive never seen an invoice in the amount of {$250.00}. And of the account was sold to the collection agency why dont they have one? I dont know how they have provided any proof when I havent received anything as of yet and its damaging my credit. I feel that it should be removed since they can not provide the information. Ive been getting the run round for over a year. I dont feel I should have to pay something that I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 non-monetary relief
Consumer complaint received 2018-12-15
Company: Premier Holdings
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I Received A Missed Call On My Cell Phone From XXXX Texas On XX/XX/2018. No Voice Message Left. I Called The Number & A Woman Answered Asking For My Name I Asked Her For The Name Of The Company, She Replied By Saying Hold On & Connected Me With Another Woman Who Claimed She Was An Attorney. 
She Quickly Mumbled Her Name As If She Was Swallowing Her Words. She Preceded To Ask Me To Verify My Social Security Number She Had On File. In A Very Aggressive Manner She Demanded Money For A XXXX  XXXX   Judgement. I Told Her That Something Isnt Right, I Dont Have Any Judgements From XXXX  XXXX  Or Anyone Else. She Then Informed Me That If I Didnt Cure The Default Right Now, She Would File The Paperwork Immediately With The State, To Collect All Monies Thats Stated In The Recorded Judgement. I Asked Her To Send Me All Of The Information By E-Mail. She Refused And Abruptly Hung Up. I Called Back & The Woman That Answered The Phone Was The Same Woman That Answered The Phone Before. She Answers The Phone Without Identifying The Business Name Or The Name Of The Law Firm.

I Asked Her For The Name Of This Business Entity & The Attorneys Name Three Times. Finally She Answered By Saying They Were In XXXX. Again I Asked Her For The Name Of The Attorney & The Business Address. She Said The Name Was Premier Holdings. 
She Refused To Provide Me With The Attorneys Name & Address.I Asked Her For Their Website Address, She Refused To Give Me That Info As Well. I Also Asked For Detailed Information Via Email In Regards To This So Called Judgement, She Just Hung Up On Me.

I Called Back And The Phone Went To Voice Mail. I Tried Calling Back At Least 4 or 5 Times, My Calls Went Right To Voicemail. On My Last Call, I Left A Message Demanding Proof Of All The Paperwork & A Copy Of The Judgement. No One Ever Returned My Call. 
I Have Never Received A Call Like This In My Life. I Am XXXX Years Old & Never Came Accross Such Tactics Similar To Loan Sharks In A Mobster Movie. 
I Am Confident That This Is A Very Unethical Company. They Need To Govern Themselves Accordingly.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I had XXXX XX/XX/. The MD and I filled out XXXX forms from EDD and I was TOLD I was sent a card with {$4700.00}. The card was lost several times before I finally got it. 

I finally got the card on XX/XX/2021, ALL THE MONEY WAS GONE except {$48.00} I HAVE BEEN FIGHTING WITH BANK OF AMERICA FOR 2 YEARS. I HAVE SENT IN FILES AND PAGES OF REPORTS I WAS ADVISED TO FILL OUT. THE MONEY WAS STOLEN OFF MY CARD AND TRANSFERRED TO SOMEWHERE ELSE. 

I HAVE NEVER SEEN MY XXXX MONEY FROM MY EMERGENCY XXXX I AM A RESPONSIBLE AND PROFESSIONAL. I AM SO FRUSTRATED, THE BANK HAS BEEN TELLING ME FOR 2 YEARS IT WILL BE SOLVED SOON PLEASE CAN SOMEONE HELP ME!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-17
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Citi Advantage card was taken out in my name. On Sunday XX/XX/2022 received by email notice that I had a card balance of {$3300.00} as of XX/XX/2022. Since I had not requested this card I called Citibank that same day and reported that I had not applied for this card. They indicated they would open an investigation. I received the credit card on Monday XX/XX/2022. Interestingly enough I received from the XXXX XXXX XXXX an Official Change-of-Address validation on XX/XX/2022. I contacted the XXXX by phone and advised them I had not requested a change of address on XX/XX/2022. XXXX requested more information on XX/XX/2022 which I provided. 

This was not first time I have received correspondence from financial institutions on loans being applied for. In XXXXXXXX XXXX 2022 I contacted XXXX and had them add fraud alert to my credit report. They shared with XXXX and XXXX and the alert is supposed to be there for a year.

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 2018-12-15
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My Chapter XXXX ( originally a Chapter XXXX but later converted ) was discharged on XX/XX/2018 ( see attached Bankruptcy Court Order of Discharge ). I am still unable to view my student loan accounts online through Nelnet 's website. I keep getting a message saying because of the status of my account to call their customer service number. I have and they keep telling me their bankruptcy department is not going to do anything about it. 

If CFPB is unable to resolve this issue, I will file formal to the US Department of Education through my Congressman 's Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
it has been more than 30 day that i send out a letter disputing wrong information on my report and I have not received anything as im writing this complain on XXXX/XXXX/16

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had an existing mortgage with Wells Fargo Bank that was sold to them in XXXX or so. In XXXX, while going to school through a re-training program with Washington State Unemployment, I fell behind 5-months in payments. During the next 2-years, Wells Fargo had me complete three ( 3 ) different trial payment plans ; I completed them all successfully. They promised that I would get a loan modification after EACH one ; however, when the last trial plan was completed, Wells Fargo said that if I paid an additional {$7000.00} ( exact figure in my files in attic ), then they would give me the loan modification! The Housing Specialist wouldn't even give me the details of the loan ; she said unless I paid the additional funds, they would move forward with foreclosure. Well, I didn't have the additional {$7000.00} so I had to let them foreclose. 
I complied with them and communicated with them every week for 2-years. They had six ( 6 ) different Housing Specialists that were assigned to my mortgage case over the 2-years. Each time it changed hands, I had to practically start all over again by sending them redundant information. I did comply.

At the time, I felt this was extortion! I completed three trial payment plans where most people only had to complete one! Why was that? Then to be required to pay the additional $ XXXX in order to get information on the loan modification? It was all very stressful and made me physically ill to let the house go that I loved so much. 
I do hope that Wells Fargo gets punished for this awful deed. I know I wasn't the only one this happened to ; they bilked billions of dollars from families like myself. 
Thank you for you help, 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 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXXXXXX XXXX Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-17
Company: COLLECTIONS USA, INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
You've paid off 44 % of your collection amount. 
Balance {$2200.00} Highest Balance {$4000.00} Opened XX/XX/2015 ( 2 yrs, 8 mos ) Account status Open Type -- Responsibility Joint Remarks Placed for collection Original Creditor Name XXXX XXXX APARTMENTS **I WAS UNAWARE THAT THE COLLECTION WAS SENT TO A COLLECTIONS AGENCY. WE MADE ARRANGEMENTS WITH THE LADY IN THE FRONT TO TAKE CARE OF THE CHARGES. WE LEFT HER OUR FORWARDING ADDRESS. WE WEREN'T TOLD OR GIVEN NOTICE THAT THE CHARGES WERE BEING SENT TO A COLLECTIONS AGENCY. THE COLLECTIONS AGENCY CALLED AND DID NOT STATE THAT THEY WERE CALLING IN AN ATTEMPT TO COLLECT A DEBT, THEY DID NOT VERIFY MY IDENTITY BEFORE THEY STARTED TALKING ABOUT MY ACCOUNT. THEY GAVE INFORMATION OUT OVER THE PHONE WITHOUT GETTING CONFIRMATION THAT ITS THE CORRECT PERSON ON FILE. I WAS NOT GIVEN ANY PAPERWORK LETTING ME KNOW OF THE RIGHT TO DISPUTE DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: JPMORGAN CHASE & CO.
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened a Southwest Chase Rapid Rewards card in early XXXX XXXX. During this time period I have emails with overlapping promotions. The first being what I thought I was receiving- a companion pass and XXXX Rapid Reward Points if you spend {$4000.00} in a 3 month period. What I received was XXXX points for spending {$1000.00} in a 3 month period. 

I have contacted chase multiple times regarding this issue with no resolution. I keep getting told I will hear back in 10-15 business days with no one I can physically talk to. After a little over a month of this back and forth I called one last time. I explained that I have a flight to take in one week and need a resolution. The response was I will hear back in 14 days.

I filled a complaint with Chase today and inquired when I would get a response and was told that legally they had to accept complaints but did not have to follow up them.

Frankly, Im shocked Southwest would want Chase representing them. Southwest is known for its customer service and Chase hasnt even attempted to solve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Upgrade, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Over the time Ive had the Upgrade card, the account has been closed multiple times for reasons unknown. Ive had the card on auto pay and havent missed a payment. This last instance is the reason Im reporting today. My auto pay came as per usual of {$96.00} with no issue on XX/XX/XXXX, on XX/XX/XXXX i received a notice stating my account was closed. I wasnt sure why so I called. I was told that although I make on time payments and monthly payment was received the day before they had to close the account. They explained they did a random credit check and was told I was delinquent on another credit card, so they closed this one so that I wouldnt go into debt with them. The two cards have absolutely no connection with one another and the information they were provided was incorrect. They told me they would keep me on auto pay because they want to make sure they get paid but I no longer will have access to the card. If I stopped paying they would report me delinquent. I believe this is an unfair practice especially when Ive made my payments on time and have not given them any issue since Ive had the card. Upgrade credit was to help build my credit but instead I feel like they arent helping me at all. My credit limit was also reduced due to these random credit checks, its really unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
State: PA
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:
Filed two disputes with credit bureaus reference, XXXX XXXX  account that is negatively affecting my credit. I have never had any medical procedures, nor the company has any valid information attaching me to this fraudulent account. Upon initial dispute confirmed the address was not mines ( ID verifying my identity and address uploaded ), they ( XXXX XXXX ) do not have my social security number, and any other identifying information attaching me to this account. Contacted the reporting company and they have no interest in assisting me in this matter.

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