BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-29
Company: Experian Information Solutions Inc.
State: AR
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 opened an account with XXXX in XXXX to the best of my knowledge I closed it in XXXX when I moved. I paid all of my bill due at the time I moved. Well from what I am understanding they then charged {$49.00} for disconnecting the service after I paid the last bill. I never knew about that charge, nor was I ever contacted, my phone number is still the same from back then. So in XXXX when I learned about credit reports and how to check them I learned this was on my credit report. So immediately I paid the account no questions. It now shows a late payment on my account in XXXX and is damaging my credit score. There was no effort to contact me what so ever, and there is no record of positive account payments either, only this one negative remark that is harming me because I paid it. It doesn't seem right to me that a {$49.00} fee that came from out of nowhere after I paid the final bill should be able to harm me for 7 years. This is not indicative of who I am as a person nor consumer and is the only negative info I have on my credit report. I would ask at minimum that this be removed from my credit report so that I can have a clean credit report going into buying a home. My interest rates can be effected by this account and just doesn't seem fair in my opinion. Thank you for your time and hopefully this can be resolved quickly!! 

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 2023-05-31
Company: WELLS FARGO & COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized, unverified hard inquiries on my credit report must be removed immediately in accordance with the FCRA.

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 2020-06-11
Company: EQUIFAX, INC.
State: WI
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:
Equifax and XXXX  are reporting incorrectly that I am ( XXXX ) days late on the XXXX XXXX partial account numbers XXXX. ( Please see page attached from my credit report showing the multiple accounts along with a spreadsheet for reference. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: Amsher Collection Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX in XXXX, AL states that I have a medical collection for a XXXX  in XXXX. I have never even been to XXXX. I called them and they would not listen to me - they just wanted me to pay the debt without caring that it isn't mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: T.S. Holdings
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, I received a bill from company stating I owed a different amount than what's trying to be collected. They said I never gave notice of my moving out but that is incorrect because I gave notice months before the move out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
I have never had an account with discover bank yet their reporting on my report for a third time after ive disputed this account XXXX other times before. I am a victim of identity theft and my personal information has been used to fraudulently open this account without my authorization and i demand that it be removed and deleted permanently from my credit profile immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I closed my bank account with Chase Bank in XXXX. I received a letter in the mail stating I owe {$220.00}, I received no communication from this bank for almost 4 months. They have been outrageous to deal with. And unprofessional. They have stated that it was in regards to an old claim that they have not communicated anything to me at all for months. I havent received a letter from chase claims, or email or any phone call. I received a random letter dated XXXX XXXX XXXX  and received it by on XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Americas Car-Mart, Inc.
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I signed a contract for XXXX year loan and the company does not extend loans further than XXXX years. I have surpassed that XXXX years and upon inquiring Im being told someone refinanced the account but it doesnt show who.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: FIRST NATIONAL BANK OF OMAHA
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I received a promotion from my credit card stating if I used their checks I would get a 6.99 % XXXX in bold. So I used the checks on 2 purchases on XX/XX/27 instead of using my card. I then noticed yesterday when the checks posted on my account they charged me a large transfer fee to use them. I contacted the company and they said its in fine print they would charge a fee. Everything else was in bold but that. 
I said I would pay the total in full immediately if they reversed the fee and they said the only way they would do that is if I went to the retailers bank and got the check back. They wouldnt explain how I could do that and the banks say there is no such thing. Their advertising is VERY misleading as I would have just used my card itself or paid cash. Why would I have used them if I was going to be charged.

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: 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: Was not notified of investigation status or results

Complaint:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported 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 non-monetary relief
Consumer complaint received 2023-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
ACCOUNT # XXXX & XXXX So, SEE ATTACHED MESS UP LETTER SENT US DATED XX/XX/XXXX ACCOUNT ENDING in XXXX that we do not have or have had. We have written letters on XX/XX/XXXX, XXXX, XXXX all of these regarding a fraud email we reported on email for card # XXXX XX/XX/XXXX XXXX  XXXX  XXXX  {$79.00} and then we received email dated XX/XX/XXXX that a new card for account # XXXX was on the way and then again, another email for new card stating it is on the way XX/XX/XXXX for account # XXXX. To date nothing has arrived for a new card. 
However, we did get a letter dated XXXX XXXX for account XXXX closed we dont have. So, these recent issues have all been caused apparently by your company and nothing has been addressed on original issue this time. We have communicated on accounts we do have. We have not had any communication from Capital One on all the letters sent above and apparently you are trying to reach someone else on there account since this is not our account. 
We would like the original issues addressed ( which have never been ) as stated in our most recent letter dated XX/XX/XXXX in writing ONLY ( so that we have records ) since you have obviously, can not apply payments correctly or fix the issue of the fraud emails we reported either since now you have another account for us that we do no have. We are very limited on our time as we work full time, we help out on XXXX farms that we have over XXXX cattle to care for as well as all the chores associated with this at this time year. 
So, your immediate correction to our account and reading our requests would be most helpful. We only have this one credit card we have stated previously in writing what we expect. This issue was caused by a scammer that we tried to report and your mishandling of this issue as well as obviously posting on our account. As you can see, we are the ones that sent the issues in first place so obviously you are confused on accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was in XXXX using my credit card through Bank of America/Merrill Lynch. The restaurant we went to charged my card and said the transaction never went through and was cancelled. My wife then used her credit card to pay for the charge. I later found the charge went through while we were still in XXXX. I went to the merchant, but they refused to refund the charge. When I submitted a dispute with Bank of America, I informed them of the contact with the merchant and their response. I then provided Bank of America with a receipt reflecting the charge was paid for using my wife 's credit card and her name was on the receipt. I also provided them with a detailed report of the incident with specifics. Bank of America refused to refund without my wife 's full credit card statement reflecting the charged amount and her full account number. My wife and I keep separate accounts and wish to preserve privacy, so she has been reluctant to provide the information. Bank of America then re-charged me for the amount. The charge was on XX/XX/2019 in the amount of {$20.00} and I have evidence the charge was never paid for using my card.

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 2023-05-31
Company: EGL US, LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I have not supplied proof under the doctrine of estoppel by silence englehardt v. Gardens 281 sw 715-719. I presume that no proof of the alleged debit, nor therefore any such debit exist

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am executor of my Moms estate. I deposited the funds ( around {$250.00} k ) in a Wells Fargo checking account. I am trying to distribute to heirs. WF will not allow more than {$75.00} k to be transferred per month. They are illegally retaining the estates assets. I have discussed with them. They refuse to allow larger transfers.

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 2020-08-19
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XXXX XXXX XXXX, I was trying to buy a car. They ran a credit report with Experian and was told I had a freeze on my report. I NEVER authorized a freeze. I didnt even know what that was. Now I can't unfreeze it without a pin number. I dont have a pin number because I never requested a freeze. This may have hurt my chances of getting a car. I am beyond angry. I called every number for Experian and can not speak to a real person. Its the same automated answer. It won't help me at all. I also answered security questions to prove it was me. They asked me if I applied for a home loan in XXXX. I have never applied for a home equity loan ever!

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 2023-05-31
Company: Experian Information Solutions Inc.
State: NC
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:
On XX/XX/2023, I contacted XXXX XXXX XXXX  to have someone come out and give an estimate on building a pool. They asked me my name, birthday, marital status, and if I owned my home. I gave them that information. The next day I got an alert on from my credit monitoring service that XXXX XXXX XXXX had pulled my credit. I called them to find out why and resolve the isse. I was told that they asked for my permission to pull my credit when they asked for my birthday. I was never asked if it was ok to pull my credit. I had no intentions on using their financing and so there was no need for them to do this. I did not give them permission to access my credit and want this inquiry removed.

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 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 TransUnion, about the following negative accounts XXXX  XXXX ( Opened XXXX XXXX, XXXX, Balance {$7.00}, XXXX ( Opened XX/XX/XXXX, Balance {$16000.00} ) Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2021-03-30
Company: Consumer Adjustment Company Incorporated
State: GA
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/XXXX XX/XX/XXXX XX/XX/XXXX {$570.00} XXXX This should be deleted is because its not accurate. The DLA is an acronym for Date of Last Activity which translates to the last date you made a payment. ( you never did ) Under the Fair Credit Reporting Act everything on your credit report has to be accurate. Businesses are not permitted to publish full credit card numbers on receipts. The law also allows you to protect your Social Security number by having it truncated on your credit report. I have the right to be notified if any financial institution submits, or plans to submit, negative information to a credit reporting agency. This information may be included in a billing statement or a notice of default. I was never notified of this collection. 
Unknow debt. I have the right to sue and seek damages in a state or federal court from anyone, such as a consumer reporting agency or a user of consumer reports, who violates the Fair Credit Reporting Act. 
Credit ratings reflect a relative ranking of credit risk and play a critical role in the marketplace. The ratings have a dramatic effect on the perceived value. Unfortunately, there were some conflict of interest situations involving credit rating agencies and certain investments that led to significant mismanagement of risks during the economic meltdown in XXXX. The third most well-known part of the FCRA is the Fair and Accurate Credit Transactions Act. The Dodd-Frank Wall Street Reform  and Consumer Protection Act ( DFA ) was passed in XXXX to stop major financial institutions and creditors from continuing unfair practices. 
The act is intended to prevent a major recession like the XXXX started in XXXX. Also a XXXX violation to sell any medical information without my consent and signature or knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Mr. Cooper Group Inc.
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
After generating bills 16 days after the due date from XX/XX/XXXX to XX/XX/XXXXXXXX XXXX Nationstar claimed I was late for 16 months. The company originally charged me for XXXX deferred late fees on the date of onboarding the loan, then charged me for XXXX deferred late fees which they kept unearned lender and late fees, and after keeping unearned fees for foreclosure services that were never performed by any party at all, still being held in suspense simply because the process was put on hold as per XXXX XXXX to the XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXXXXXX I sold my home without any foreclosure process occurring except a petition filing on XX/XX/XXXX. Without my knowledge, Nationstar allocated {$11000.00} toward XXXX late fee payments attached in the transaction history in lines XXXX. Lines XXXX claim I paid {$10000.00} for XXXX late fees. This was impossible, and did not occur over the 85 months the loan was active and serviced by XXXX, XXXX XXXX XXXX, and Nationstar. Nationstar refuses to correct clear errors in inaccurate payment allocation that negatively affect my payment history during the full life of the loan and that was concealed as inaccurate for the last 8 years with manipulated detail reports. During the 16 months this company serviced loan XXXX in XXXX Nationstar tried to scare me with a foreclosure petition while I sold my home voluntarily tanking my home 's fair cash value by {$18000.00}. In XXXX, this company paid me {$5000.00} to resolve all of my claims, without disclosure they owed me a refund of {$6000.00}. They tried to have me sign a compromise and settlement agreement I had outright rejected and refused to sign. The counsel from XXXX XXXX XXXX XXXX XXXX revised the agreement to entirely remove compromise and, compromise of, in compromise and compromise, to which he emailed had my husband and I sign, and then he forged our revised agreement 's signature onto the rejected agreement, and is now trying to profit off of this forgery by seeking attorney 's fees in court for attempting to enforce an XXXX forged agreement against me. The same attorney will be charged with claiming to respond to this complaint, and he will only threateningly try to force me to withdraw my court-requested relief in obtaining a corrected transaction history that is so outrageously inaccurate it stuns the senses.

Company response to consumer: Closed with explanation