BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-29
Company: CITIBANK, N.A.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Today is Monday, XXXX XXXX XXXXXXXX. Citi Best Buy has already called once today. They call several times per day. In the past 7 days, since XX/XX/XXXX, they have called 17 times. They typically call 3 times per day. This is not the first time theyve done this when Ive been late on a bill. 

This is harassment. Clearly, I know that I owe them money. However, I am all out of money until the XXXX XXXX XXXX when I will promptly pay them. They dont need to call 3 times per day to get their point across.

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 2023-05-29
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Wells Fargo representatives tell me that my account has thrown fraud alerts for a transaction that I did myself and I told them I did. I verified all the information about the transaction, and told them there is no fraud. My account is fine, I've not reported any fraud nor any unauthorized transaction. But they insist that the system has shown fraud activity. Then they asked if I had multiple devices, I explained that I use XXXX XXXX on my phone for security and privacy, and apparently the bank 's system don't like that, however, that's my right to watch for my security and privacy, and when I signed WF terms and conditions it doesn't say on our contract that I can not use XXXX XXXX to log into my account. 

Now they keep telling me that I have to step into a branch with a form of ID to get verified. I left the United States a few days ago and won't be back in several months. I've explained this situation to them and they keep telling me the same, they don't seem to even listen what I'm saying, they keep repeting the same message to me over and over. I called my personal banker at the WF branch with whom I opened my account, and she put a note on my account letting the security department that we talked but I'm not in the country and I can't go to the branch. I wonder if it is actually legal that WF prevent me to access my online banking just because I'm not in the United States at the moment. As my banker says, WF multiple ways to verify me over the phone. Then, they should do that. 

This is so discriminatory of Wells Fargo to punish XXXX XXXX like me by not letting them use their online banking because they can not step into a branch whenever WF wants.

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 2021-09-18
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I'VE FILED A DISPUTE AND IT HAS TAKEN MORE THAN 3 MONTHS FOR THEM TO RESPOND OR GIVE ME ANY INVESTIGATION RESULTS!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Experian Information Solutions Inc.
State: NE
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: AFNI INC.
State: TX
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:
This complaint is regarding AFNI , Inc. claims I have a charged off, closed account in the amount of {$2300.00} that was apparently opened XX/XX/2018. I am writing to advise you that AFNI, Inc. is in violation of TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001 et seq. as well as the DECEPTIVE TRADE PRACTICES-CONSUMER PROTECTION ACT, SUBCHAPTER E. which prohibits a debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. After researching AFNI, Inc. on the Texas Secretary of State debt collector website I have found that XXXX XXXX XXXX is not bonded in the state of Texas. I am requesting AFNI, Inc. immediately delete this entry with all credit reporting agencies they are reporting this entry to due to being in violation of TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001 et seq. as well as the DECEPTIVE TRADE PRACTICES-CONSUMER PROTECTION ACT, SUBCHAPTER E. 
The TEXAS DEBT COLLECTION ACT ( TDCA ) defines a debt collector as any person who directly or indirectly engages in debt collection and further applies to creditors attempting to collect their own debts. TEX. FIN. CODE 392.001 ( 3 ). Furthermore, Sec. 392.301 ( a ) ( 4 ) of the TEX. FIN. CODE prohibits threatening to sell or assign to another the obligation of the consumer and falsely representing that the result of the sale or assignment would be that the consumer would lose a defense to the consumer debt or would be subject to illegal collection attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: Malen & Associates, p.c.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I was given two summons and complaint by a member of a family living where I reside. The summons did not list a hearing date of a court appearance nor was the complaint certified or stamped with a seal from the court. Furthermore, the complaints handed to me are defective because they do not list an index number pertaining to the cases. 

Please note that by failing to certify the complaint the plaintiff has obstructed the rules of the chief administrative judge part 130 : costs and sanctions : section 130-1.1 where it states : ( b ) certification. By signing a paper, an attorney or party certifies that, to the best of that persons knowledge, information and belief, formed after an inquiry reasonable under the circumstances, ( 1 ) the presentation of the paper or the contentions therein are not frivolous as defined in section 130-1.1 ( c ) .Of this subpart, and ( 2 ) where the paper is an initiating pleading, ( i ) the matter was not obtained through illegal conduct, or that if it was, the attorney or other persons responsible for the illegal conduct are not participating in the matter or sharing in any fee earned therefrom, and ( ii ) the matter was not obtained in violation of Part 1200. Rule 4.5 of this Title. 

Nevertheless, on XX/XX/XXXX I sent letters to MALEN & ASSOCIATES P.C. demanding that they validate the debt they claim I owe. 

On XX/XX/XXXX MALEN & ASSOCIATES P.C mailed two packets containing account statements of the two charged off credit accounts of which my alleged debt accrued. 

Note, however, that according to an FTC opinion letter by XXXX a computer-generated, itemized statement of services ( such as computer-printed account statements ) are not a validation of an alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
On XX/XX/2023 I sent a letter to the bureau informing them that there was an account reporting inaccurately with an " Open Account '' status and I requested that it be deleted from my profile because it is not FCRA compliant. This inaccurate reporting needs to be deleted. I pulled my report again and this information is still showing on my account inaccurately. This is a violation of my rights as a consumer.

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 2022-02-28
Company: JPMORGAN CHASE & CO.
State: LA
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:
This account with JPMORGAN CHASE BANK with account number XXXX, has been paid, and thus, it should be removed from my credit report. There is no longer any balance on it and it has been closed. I have reached out to XXXX, XXXX and XXXX Bureaus and to the furnisher but no response was ever made by both of them. They have neglected my request of giving me a response or deleting this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-05-29
Company: TRANSWORLD SYSTEMS INC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I saw a drop in my credit score on XX/XX/XXXX. I immediately pulled my credit report from XXXX. Under adverse information I had an account from Transworld System in collections, last updated on XX/XX/XXXX, with the date the account opened listed as XX/XX/XXXX. I had last checked my credit report on XX/XX/XXXX via XXXX and this account was not listed. 

I had no knowledge of this account or of Transworld. I had not been contacted via email, phone, or email about this debt. The original creditor was listed as XXXX XXXX, my former landlord. I had moved out from the apartment complex XXXX and had called the week after to verify that there were no issues. I had left my forwarding address with the office and they had my number and email on file, but I was never contacted by them about any past due amount. 

I attempted to contact Transworld via the mailing address listed on the credit report. I sent it via certified mail ( Tracking # : XXXX ) and it was delivered on XX/XX/XXXX. I have heard no reply from Transworld and have no information on the nature of this debt or why it wound up in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Re : Letter of Dispute and Error Notice Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX I received a Notice of Intent to Accelerate : I am disputing this notice in its entirety. Some of the notice is in XXXX which dont understand XXXX, which erroneously says we are in default for the months XXXX and XX/XX/XXXX. We are also mortgage evaluations sent while on disaster programs. 

Please be aware, that on about XX/XX/XXXX, I contacted Bank of America regarding the Federal Disaster Relief Program Due to Fires in XXXX  CA. The Representative verified my home was located in the Designated Area and made me aware we qualified for a 3 month Payment Holiday. I was informed that I could skip 3 payments and the 3 payments would be placed on the back of the Loan. with no penalties or Late Charges. Please listen to the tape of the original recorded phone conversation to your Customer Service or the subsequent calls to your office. I relied on statements and agreement made with an official Bank of America Representative. Now I am being told that we are 2 payments behind, which would create a hardship and not possible. I was current and have made every payment since resuming payments and actually ahead one month when I make payment this month. ( XX/XX/XXXX ) I lived up to my end of the agreement. Please correct this error and keep your promise. 

I am requesting a correction so you dont erroneously foreclose on us again, as you did in XXXX. BOA still took two years to issue us a Modification ( XXXX ) where we still have not been made whole from that grave error by BOA. BOA had to return funds to the Trustee Sale buyer who was trying to evict us during the holidays ( XXXX ). BOA finally issued a formal rescission in our favor Thank God! Please send : 1. Loan History since inception of Loan. 
2. Transcripts of the Phone conversation from XXXX XXXX XXXX on around XX/XX/XXXX to present. 
Re : Federal Disaster Program and payment XXXX. 
3. Letter regarding Expiration of fire disaster program Respectfully, 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 2023-05-29
Company: GOLDMAN SACHS BANK USA
State: OH
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:
Account was closed on XX/XX/23 the reason given was they said I violated the terms if the user agreement. But they refuse to tell me what teams I violated and keep referring me to the user agreement witch has multiple things on their. I want a specific reason as to why this account was closed. I was never late on a payment paid early and never went over my credit limit. Are they discriminating against me? Cause it sure seems like it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Experian Information Solutions Inc.
State: AL
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:
Account : XXXX, Upon rechecking my credit report I've noticed the same errors are still on there despite the violations I provided. This is my last time bringing this to your attention before I file for litigation. You are damaging my reputation, and defaming my character by reporting XXXX that goes against my rights, and the laws of XXXX. You are sending pre-written generated letters that are not solving the issue, for instance, pursuant to 15 U.S.C 1681a ( 2 ), any report containing a transaction or experience is to be excluded from a consumer report. All the accounts I've shown were the case. So by now your willfully ignoring this law which is adverse to me and is grounds for actual damages. I'm demanding you remove it immediately and I will use this complaint as an exhibit if you choose to ignore or misdirect my complaint.

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 2018-01-15
Company: Bread Financial Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Repeated attempts to collect a debt owed by someone other than me on my cell phone, 3 calls XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX. The company appears to be Comenity Bank. The person they are asking for isnt anyone i know. I have asked them to stop several times. They are now calling my house number as well. This is harassment and a clear violation of Fair Debt Collection Practices and TCPA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Please remove this inquiry from my credit report as it is not associated with me in any way. I did not make this inquiry and have no affiliation with the creditors involved. I request that this inquiry be promptly removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/23 A man showed up to my place of work with a summons to appear in court XXXX XXXX XXXX XXXX for Citi bank XXXX 
Had no prior contact with the collection agency prior to the summons of garnering wages, threatening to take money from my back account. 
My husband is in remission from XXXX our home was damaged by the severe weather in California. This has affected my mental health. Help 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 explanation
Consumer complaint received 2023-05-29
Company: AMERICAN EXPRESS COMPANY
State: GA
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:
On XX/XX/2023, I ordered a blue bandanna printed handbag from an online merchant XXXX XXXX  ) using my American Express Serve Card ( XXXX ) I received an email from the company stating that the item was out of stock. I then asked the company for a refund. The company claims to have sent a refund for the purchase back to the cardholder company ( American Express ), which I have not received. The cardholder company has told me that they have no record of the transaction, so I am providing documentation to show that there was a transaction from my American Express Card to the merchant and I need a refund processed. Its already been 17 days since my purchase, to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Dear Experian Consumer Relations, I am writing this letter in response to the correspondence I received from Experian dated [ XX/XX/23 ] regarding a dispute over my credit report. I appreciate the opportunity to address the matter and seek a resolution to the dispute. 

First and foremost, I want to clarify that I am the individual who sent the initial dispute letter [ XX/XX/23 ] regarding the inaccurate information on my credit report. It is essential that this clarification is duly noted and that my request is promptly moved forward for investigation and resolution. 

I must express my concern regarding the handling of my dispute by Experian. It appears that there has been a delay or oversight in addressing my concerns, which has resulted in unnecessary inconvenience and potential harm to my creditworthiness. I believe it is crucial to emphasize that as a consumer, I have certain rights protected by federal laws, including the Fair Credit Reporting Act ( FCRA ). 

Experians failure to comply with the FCRA and other applicable regulations is a matter of utmost concern to me. I strongly believe that Experian is taking unfair advantage of my consumer rights by not promptly addressing my dispute and conducting a thorough investigation. 

Failure to comply with the requirements outlined in the FCRA is a violation of my rights as a consumer, and I want to assert that I am entitled to appropriate remedies, including potential monetary damages if these violations persist.

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 2022-11-15
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX Balance Owed : {$810.00}, XXXX CARD XXXX Balance Owed : {$6000.00}, XXXX  XXXX XXXX Balance Owed : {$450.00}, XXXX XXXX Balance XXXX : {$110.00}, XXXX XXXX Balance Owed : {$46.00}, XXXX XXXX XXXX Balance Owed : {$1200.00}, XXXX XXXX XXXX XXXX Balance Owed : {$36000.00}, XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX  XXXX XXXX Balance Owed : {$3400.00}, XXXX XXXX XXXX Balance Owed : {$0.00}

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