BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-05
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My FHA mortgage is with Wells Fargo. They have a home preservation program where you can have payment forbearance. I had XXXX months of payment forbearance, but when it came time to start payments and repaying the months of forbearance I was not able to pay the XXXX months back. So I'm trying to work with Wells Fargo and I can tell you they are the worst people I have ever had to deal with in my life. They give me no feedback, they don't take my calls, I have to speak to somebody new everytime. The story is different everytime I speak with yet another new person. They flat out lie about everything. I'm quite sure they are trying to just drag this out to XXXX XXXX when I am put into foreclosure. I have until XX/XX/XXXX to get this settled. Well its gotten where I get nothing but a runaround when I manage to speak to somebody, or my phone seems to be on some sort of an electronic XXXX list when my calls are not answered at all. I feel powerless and hopeless at this point. If there is a class action lawsuit that I can get in on I'd be more than happy. I'm so stressed out, I have health issues. This company is evil just pure evil.

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 2022-01-14
Company: John C. Heath, Attorney at Law, PLLC
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
This company is intentionally misleading with advertising, and also wants money upfront, which I have since learned is illegal. I thought I was paying XXXX for a whole year due to their misleading advertising, not monthly. I have lost over a grand on them for doing very little for my credit! I would have NEVER engaged in services if I thought I would be paying this much monthly. I am already poor, working multiple jobs ( or at least attempting to ) and am chronically ill. This was supposed to help me, not steal a ton of my money. This company does not care that they are scamming you or stealing from you. They have no interest in trying to work with you, and will avoid a refund at all costs. I want 1, XXXX dollars back, what I have paid since the first bill of XXXX ( 1, XXXX total ) since starting the service on XX/XX/2021. They will not even address refunding and avoid the subject. They don't care. This absolutely disgusts me. I want my money back. They are still planning on even trying to charge me more even after canceling!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was told I needed to make a report about this unauthirized use.

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 2020-06-16
Company: ERC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Owed XXXX for last month bill. ERC reported to to and I paid that balance in XXXX on XX/XX/XXXX. ERC continued to call and attempt to collect, leaving debt collection mark on my credit. I called and they confirmed it was paid and I owe a XXXX balance. They provided a second receipt when I called to dispute the incorrect reflection on my credit report on XX/XX/XXXX. Company still has not removed debt from my report and still shows it as me owing. I would like the debt removed from my report as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Experian Information Solutions Inc.
State: IL
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 sent a letter on XX/XX/22 to 3 credit bureaus to remove erroneous accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # 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 explanation
Consumer complaint received 2022-10-11
Company: Experian Information Solutions Inc.
State: MI
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:
Experian refuses to remove a collection account from my credit file, despite being provided with the response to CFPB complaint XXXX which clearly states the collection agency had CEASED ALL COLLECTION EFFORTS on or around XXXX XX/XX/2022. This is a clearly a willful violation of 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 2022-07-22
Company: Experian Information Solutions 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 has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to Privacy 15 U.S.C 1681 SECTION 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
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: Old information reappears or never goes away

Complaint:
I am writing to dispute the accuracy of the account XXXX XXXX XXXX, Account number XXXX, that is currently appearing on my consumer report. Specifically, I am requesting that this account be removed/deleted from my report as it is over 7 years old and no longer accurate.

As you are aware, the Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies maintain accurate and up-to-date information on consumers. This includes removing accounts that are over 7 years old, as they are no longer relevant to a consumer 's creditworthiness.

I understand that your company may have certain procedures in place for resolving disputes such as this. However, I would like to grant you the opportunity to amicably resolve this matter by doing the following : Investigating the accuracy of the account in question, including verifying the date of the account and any outstanding balances.

Removing/deleting the account from my consumer report if it is found to be over 7 years old and no longer relevant.

Providing me with written confirmation of the removal/deletion of the account, as well as a copy of my updated consumer report.

I trust that your company will take the necessary steps to rectify this situation in a timely manner. Please do not hesitate to contact me if you require any additional information or documentation from me to assist in your investigation.

Thank you for your attention to this matter.

Sincerely, 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 2021-06-07
Company: Bread Financial Holdings, Inc.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Comenity is blocking XXXX  from removing a fraudulent account after receiving disputes with a police report attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have XXXXcomplained times. The problem has not been resolved. my fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 120 days straight with XXXX i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 87 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now. nobody helping me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX i cant get aproved for anything which is casing me even more XXXX please Help!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I simply have tried repeatedly, by email and customer service phone number, to cancel this card. I continue to receive monthly statements, despite asking to cancel the account and the card. I have expended it completely and the balance is XXXX. I was issued the card by XXXX XXXX in order to refund a {$210.00} overcharge they errantly made- it was their mistake in the first place! 

When I called today ( the second time ) to customer service number on the card ( XXXX XXXX ), I was asked to give personal information beyond that I gave in activation of the card XXXX XXXX, 2022. Now, one year later, I continue to receive monthly account reports via my email. I have repeatedly tried to cancel it via email, too! Each time, a message told me I had to provide information well beyond that required to activate the card in the first place, a clear violation of privacy of customers. 

To show the gall of this company in giving me the run-around, I was asked what the make and model of my automobile is in today 's call. When I refused to continue this invasive and potentially fraudulent questioning, I was told I'd have to somehow send a copy of my government issued ID to cancel the account! I hung up once it was clear the attendant - XXXX ( she refused to give her last name, despite the assumption that I have no privacy rights, since she has all my info ) and others on the call- were just trying to gain personal information. I assume they plan to use the information for purposes I have not approved and are blackmailing me to turn over undue information in some form of bait-and-switch operation. The " scraping '' of personal information for resale or even directly intimidating/influencing me is a documented problem in artificial intelligence and other scams. 

Please ask the company - XXXX XXXX patient refund card, in association with Bank of America debit Visa, to close the account and stop sending me month statements that conceivably threaten my credit rating or ability to use other credit/debit cards for my needs.

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 2022-06-04
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
On XX/XX/2022 I tried transferring money from my PayPal account to my personal checking account. I did not want to pay the {$1.00} fee to have my money transferred to my bank account immediately so I chose the option have it transferred in XXXX - XXXX business days. That option kept giving me errors saying my bank account could not be linked, and then it told me the account was already linked so it couldn't be linked again. However every time I clicked on the Transfer it would not provide me with either my bank account or bank card on file to transfer to. My bank does support PayPal so that's not the issue. Then I tried clicking on the option to have a check sent to me and every time it just re-routed me to the transfer funds to my account. I tried submitting a ticket via their Resolution Center and I received an error message saying my request could not be processed and to try again. I would try again and would receive the same error message. Every time I tried calling I received an automated message that said no one was able to take my call and it forced me to text with someone. So I started a message with their support team, who was not helpful at all. They only provided me with screenshots from their Help Center showing me how to navigate their system, told me the issue was because I had to update my telephone number on file, and then they told me the issue was because I did not verify my tax information followed with because my account has less than {$10000.00} they even said that should not have impacted me transferring money to my checking account. Their online support did not listen to me and they did not help me at all. Something in my gut said to try selecting the {$1.00} transfer option, as I had a bad feeling by this point, spending several days trying to get my money transferred the FREE way, that this option would immediately work. And it did. As soon as I clicked that option to be charged to transfer my money to my checking account my money was transferred. I never updated my telephone number on file and I never verified my tax information, so that just proves there's something wrong with their system that they refused to acknowledge and help me with and they ended up illegally charging me {$1.00} in fees to have my money transferred because the free option gave me error messages for days. I want my money sent to me via check from PayPal that they illegally took from me. I want nothing else to do with their company as this is not how a company like theirs should operate and I hope they are help accountable for these unethical business practices. I have provided screenshots of all messages I had with their employees and screenshots of every issue I reported in my complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-30
Company: Credit Corp Solutions Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a call today, XX/XX/XXXX, from XXXX ID # XXXX at Credit Corp Solutions call came from phone # XXXX at XXXX. XXXX stated I had {$27.00} outstanding balance that XXXX XXXX paid but couldnt tell me who they paid it to or what it was for, he gave me a date of XX/XX/XXXX that XXXX sent it to them for collection but couldnt tell me what date the {$27.00} was from, he gave me a XXXX reference # XXXX then XXXX transferred me to XXXX, she gave me the same statement but added they sent me a letter in XX/XX/XXXX to an address I havent lived at since XXXX, she told me its my responsibility to prove I didnt get the letter??? Makes no sense. I informed her I was contacting you, she informed me this will be put on my credit report and it will ruin my credit. I do not have a XXXX account and never did. I am also a victim of identity theft that started in XXXX and has to this day keeps going.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: Experian Information Solutions 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:
I have a XXXX  XXXX XXXX credit card on my Experian credit report. The XXXX  XXXX XXXX credit card is not mine and I have confirmed with XXXX XXXX XXXXXXXX. I have dispute with Experian twice about this issue but they are not able to remove the incorrect information on my report. 
Report Number : XXXX Date GenerateXXXX : XX/XX/2021 2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-05
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: Information belongs to someone else

Complaint:
XXXX, XXXX  and Experian have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with 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 explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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 Reporting Act, XXXX XXXX XXXX acct # XXXX..., has violated my rights. 15USC 1681 Section 602 states I have the right to privacy.

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

Furthermore, 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

This has been done and in violation for XX/XX/2023 reporting as a 30 day late payment. Please remove.

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 2021-06-20
Company: CITIBANK, N.A.
State: FL
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 signed up for a five day free trial ( online ) for XXXX XXXX XXXX on XX/XX/21. Immediately, upon realizing that I would not be happy with this service, I cancelled the service the same day. My next credit card statement, from Citi Bank showed a full month 's charge for the cancelled service. I immediately disputed this charge with the credit card company. Initially, they issued a credit to my account in the disputed amount. Since then that amount was reversed and two more charges were made to my card, from the same company, which I, again, disputed. I have received three letters from the credit card company with attachments from XXXX XXXX of their " terms and policies '' stating that they will not honor my original cancellation. I have no confirmation of cancellation of this service, just as XXXX has no confirmation that I ever used their service. I consider this a blatant scam on the part of XXXX XXXX XXXX and must assume that Citi bank simply finds it easier to err on the side of the HUGE Company. 
I will appreciate any assistance offered to me regarding 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 explanation
Consumer complaint received 2023-02-09
Company: ERC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I I declare under penalty of periury that the statements herein are true and correct to the best of my knowledge. I certify that I am permitted by FEDERAL and STATE LAW to dispute this alleged debt and commence this complaint. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S. C. 1001. Additionally, any false statements are punishable as perjury under 10 USC 1621. This collection that is being furnished on my consumer report is not related to an transactions that I made. I believe that a person or company- without my authorization- used my personal identifying nonpublic personal information to apply for goods, services, or money deceptively and unlawfully opened this account. Complaints are being filed with the Federal Trade Commission as well.

Company response to consumer: Closed with explanation