BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-27
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is INACCURATE and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed 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 2021-04-20
Company: HEARTLAND PAYMENT SYSTEMS INC
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
XXXX XXXX XXXX XXXX campus is closed and has been closed since 2019 I believe. I was making monthly payments to pay towards a A loan and a B loan, the agency that was handling their accounts ( ECSI ) stated that they would no longer be accepting payments due to XXXX XXXX closing! Forbearance could not be processed because the school was closed! ECSI, has now began to report negatively to my credit when I have disputed the balances they come back as reported correct when there is no way it can be verified because XXXX XXXX XXXX  XXXX is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
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 have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Regardless, the requests I have sent out were consciously neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 credit Reporting act this company has violated my rights. 

15 USC 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.

15 USC 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 explanation
Consumer complaint received 2023-07-28
Company: EGL US, LLC
State: LA
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 XXXX XXXX i spoke with XXXX who is my account manager, who also stated that my account shouldnt be a charge off and i made a payment on XX/XX/XXXX so where did my money go? I will keep reaching until i get to highest authority because this is not right for this company to be putting inaccurate information on peoples credit reports, look in yall record i made a payment in XXXX of XXXX so why is my account charged off but yet yall still collecting money from me? I need this to go to the highest authority. I advise nobody to do business with them, so where is this payment for XXXX? then you guys update my payment history back in XXXX as late for 150 days. This is definitely retaliation

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I don't appreciate wells fargo using XXXX XXXX to represent them & having her go on t.v. to further torment me & XXXX XXXX. XXXX XXXX falsely accused me of harassing her at the bank when she was stalking me on XX/XX/XXXX. The employees at the phenix city location somehow my checking account was being tampered with during XX/XX/XXXX. I was told to go to a local branch by the 800 number to go to a local branch. It was XXXX XXXX who was tampering with my account. I had to open a new account. But after I got it open I was told to go back to the branch again. I was being set up because XXXX XXXX was at the bank which I had no idea. Then after I was at the desk with the banker who was also a witness that I wasn't harassing XXXX XXXX. I did notice how the other employees, were staring at me with a HAHA we got you now look. Then out of the blue, the police came in. But they had a look at what's going on here they saw I wasn't harassing XXXX XXXX.so they left. But wells fargo XXXX XXXX XXXX believed XXXX XXXX side of the story XXXX XXXX sent me a XXXX letter saying my accounts are being closed & I was forbidden not to enter any wells fargo especially the one where they did this XXXX thing against me. 

I never wanted to have an account there, to begin with. But in XXXX I had hail damage on my roof. & my insurance company uses them. This banker XXXX XXXX pressured me into opening account with them, then I get treated this way. This was a XXXX XXXX that the employees pulled at the XXXX XXXX branch. I was treated very unjustly. I had no idea that XXXX XXXX was at the bank that day. But the employees at that branch were doing her XXXX XXXX to try to get me falsely in trouble. 

XXXX XXXX also made XXXX of my XXXX XXXX XXXX. This was very unprofessional for a banker to make such comments as these to a customer. This was very discriminatory & judgement on XXXX XXXX part.

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 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Original Company XXXX Account # XXXX My Account have with them currently. 
XXXX XXXX XXXX XXXX XXXX {$220.00} XX/XX/2022 XX/XX/2022 Im still Current Member with XXXX, Internet and Phone Line.XXXX stated it should already be removed off of my account since I had already paid it since XX/XX/2022. So, I called and then try to dispute it with the credit companies nothing was 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 non-monetary relief
Consumer complaint received 2019-07-10
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX I opened an account in Best Buy for a Best Buy Citi Bank Visa card. I made a purchase for 2 XXXX and XXXX protection. I paid cash after the 10 % discount was given. I can honestly say I no longer have the receipt it was XX/XX/XXXX or so. After a long period of time I received a bill of {$2000.00} dollars that was charged on my account. I called Citi Bank fraud dept right away, to dispute all charges Citi Bank Fraud rep. XXXX stated my account had been reverted back to {$0.00}. XX/XX/XXXX I receive a Citi Bank Visa card as you can see 3 months later. Now also the card is now used again in various location a Best Buy, gas station, grocery store etc etc. I once again call Best Buy Citi Bank fraud dept. Now once again they assured me my account was back to {$0.00}, and another card would be issued. While all this is going on not only did my credit score drop XXXX points over night but it also has taken a toll on metal stress and the safety of my personal information.The bank obviously has a security breach or lack of security of private information. Several weeks ago I received a call from a Citi Bank representative stating they will be charging my card for the 2 XXXX  again because it came up as a purchase near my place of residence even though fraud was committed on several stores thru out the XXXX metropolitan area. They are stating I made a credit purchase there when opening my credit card as I stated before I no longer have the cash purchase receipt. The representative was unprofessional and threatened me after I stated that I would exercise my right to file a complaint, XX/XX/XXXX I filed a complaint with the XXXX .XXXX XXXX a call from a XXXX not actual trying to resolve the issue but stating they are going to charge my account the {$850.00} on my account once again because the store charged it to my account and because it was close to my residence. She also stated that someone activated my card with my SSN and my card was delivered to my house. How XXXX is able to prove it was delivered to my residence beyond a reasonable doubt is a mystery to me. Citi Bank not only caused metal anguish, distress and inconvenience, but it also baffles me how a Bank can be so inconsiderate and so nonchalant of their security breaches, and customer care and experience.No apologies no compensation absolutely no remorse. I no longer wish to have an account with them or have any contact with them or their representatives. I wish to close my account in good standing with a {$0.00} balance and forget all this nightmare has even happened and a written apology from the bank, its not asking for to much after 5 months of going in circles. Thank you and have a great day

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 2020-07-06
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: Information belongs to someone else

Complaint:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. CHAPTER XXXX   BANKRUPTCY DISMISSED XXXX XXXXCHAPTERXXXX BANKRUPTCY DISMISSED XXXX CHAPTERXXXX BANKRUPTCY DISMISSED 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 2023-05-10
Company: JPMORGAN CHASE & CO.
State: CA
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:
When credit card companies advertise interest-free payment plans that have an associated fee ( i.e. " pay off this purchase in 12 monthly payments with no interest** '' ), shouldn't the fee be clearly expressed as an APR so consumers can clearly understand and compare the costs vs paying interest? Using the term " free '' in this context is misleading. Fore example, a {$21.00} dollar fee on a {$100.00} purchase spread over 12 months is equivalent to a 21 % interest rate and should be disclosed as such so the consumer can make an informed decision -- not hidden in fine print or footnotes, and not requiring the consumer to do the math. Some banks offer a total cost estimate for purchase plans, which may be somewhat helpful in making purchase decisions, but makes it harder to compare fee-based vs interest-based costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
In Accordance with the FCRA XXXX  Account number XXXX has violated my rights XXXX  XXXX Account number XXXX Delete Asap  XXXX XXXX XXXX XXXX Account number xxxx Delete Asap XXXX  XXXXXXXX XXXX XXXX Account number XXXX Delete ALL late payments XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Delete Asap XXXX XXXX XXXX Account number 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 2022-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, XX/XX/XXXX of 2022 was when it happened XXXX XXXX had used my debit card and our linked bank account to make repetitive withdrawals straight from my Bank of America account the sum for XX/XX/XXXX was $ XXXX and I didn't notice the transactions were made I woke up on the XXXX to find XXXX XXXX and BofA had allowed {$1600.00} withdrawal straight out of my account and into my wife 's XXXX XXXX account that was immediately transferred to Bitcoin and sent God knows where I called the bank immediately to let them know this must be a joke my debit card should not be linked to anyone else 's XXXX XXXX  and they should not be able to make cash withdrawals especially in that amount that many times there were 12 withdrawals one after the other and I told them I had recently had fraud issues with my other account when my phone was lost and as soon as I realized someone had mess with my account before all charges had even gone through BofA told me I would get a new card and they would investigate I filed a police report immediately and tried to show BofA all the confidence I had and upload my documents but they would not let me offer anything until after there investigation. They later about 9 days after the complaint came back with a denial of my claim and a statement that an authorized user must have made the charge but they didn't even check anything I kept calling to let them know I no longer have control of the XXXX XXXX account it has been completely taken over by fraud I don't know we're to turn and I need help they offer none

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 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 
15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2023 Delete this account. 

XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, TX 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 2023-01-07
Company: Experian Information Solutions Inc.
State: SC
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:
Hello all, I have disputed a negative remark on my credit report with all XXXX major agencies for XXXX XXXX XXXX The account number ends in XXXX. 

The inconsistencies center around payment information. They are mismatched on every single report. Some show payments, some say CO, so say no payment and they are all different. 

I know, through you, that if they can not verify then they can not legally report this. All three disputes have come back as verified but nothing has changed and all are inaccurate. Can you help?

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 2022-12-09
Company: Experian Information Solutions Inc.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

XXXXXXXX XXXX XXXX XXXXXXXX

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 2023-04-07
Company: Torriere Holdings INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I and other family members were contacted via phone call by a collections company called Spire Recovery Solutions claiming that I owed a debt to XXXX XXXX for the amount of {$780.00}. They claimed that I had 48 hours to pay or dispute the charge by filing a police report ( this was on XX/XX/2023 ). I did not receive any correspondence about this charge via mail or email. When I asked them to send me concrete correspondence showing that I owed this, they claimed it would not arrive within 48 hours so it was meaningless to do so. I went to the police department ( on XX/XX/2023 ) to file a claim but needed the correspondence for the officer to create the report. The next day ( XX/XX/2023 ) I received a email from Spire Recovery Solutions with a delinquency notice stating that I owed the same amount to a different company named XXXX XXXX XXXX XXXX. I plan to gather all the information I have to file the police report although when speaking to the officer, he stated that it all sounded like a scam because there was no correspondence, a call of urgency to pay, and lack of informational accuracy. I have also checked my credit report and it does not show that I incurred any line of credit from any of these companies.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation