BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-16
Company: Experian Information Solutions Inc.
State: FL
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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2022-04-19
Company: NRA Group, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
NATIONAL RECOVERY AGENCY XXXX XXXX XXXX XXXX XXXX XXXX be playing different unlawful tactics to collect DEBT THAT DID NOT OWNED or BELONGS TO ME ; since XX/XX/2019, they've sent me different collection letters each time l demanded debt verification, NATIONAL RECOVERY AGENCY XXXX XXXX XXXX XXXX XXXX XXXX choose not to reply to my demands " PROOF OF DEBT OWNED '' instead NATIONAL RECOVERY AGENCY XXXX XXXX XXXX XXXX XXXX XXXX will placed the said collection on my credit profiles with XXXX, XXXX and XXXX each time with different company names, which time NATIONAL RECOVERY AGENCY XXXX XXXX XXXX XXXX XXXX XXXX did not get favorable answer from credit bureau, NATIONAL RECOVERY AGENCY XXXX XXXX XXXX XXXX XXXX XXXX will use different collection agency to placed the said debt unto my credit profiles with XXXX, XXXX and XXXX. ( see attached for several letters l wrote via certified mail )

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 2019-06-28
Company: The Law Office of Edwin B. Parry
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My daughter received a debt collections notice on XX/XX/2019. We paid another debt with this same company in XXXX of XXXX. We believe they are trying to charge us with this debt twice as the new debt they say we owe is from XXXX. why was it not included in the medical debt we paid in XXXX of XXXX as they say it was from the same provider. Edwin Perry law firm said we had to respond in 10 days. We sent them invoices showing we paid and they got back to us on XX/XX/XXXX at approximately XXXX XXXX saying if we paid today it would be XXXX. The bill in question is for XXXX If we did not they were going to file a lawsuit with the court and it would be minimum of XXXX. It does not seem fair they can give us 4 hours notice to review the information to avoid an extra XXXX charge.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account fell into default due to the covid-19 pandemic. As part of the relief I had requested a loan modification. The loan modification was granted pending three trial payments. As part of this agreement no late action penalties would be taken against my account, including late reporting or foreclosures, or late fees etc. The payments were set to begin XX/XX/XXXX for three months, at which point my mortgage would be refinanced into a forty year note at reduced payments. XXXX informed me via telephone that I would have a grace period for these payments, and that as long as I made them in the month it would be valid. My payday was XX/XX/XXXX and I made the payment the same day. It posted, and cleared, and is attached. On XX/XX/XXXX I was reported as 167 days late ( from XXXX ) causing a massive crush in my credit score and potentially jeopardizing the agreement. I want to emphasize in absolutely no uncertain terms that XXXX told me that even though the paper said XX/XX/XXXX was the deadline, that if I made it on XX/XX/XXXX it would not be an issue. Payment receipts attached.

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 2023-06-10
Company: WELLS FARGO & COMPANY
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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Act, WFDS has violated my rights under 15 USC1681 Section 602 states I have the right to privacy. Under 15 USC 1681 Section 604ASection 2, it also states a consumer reporting agency can not furnish an account without mywritten instructions. Under 15USC1666B a creditor may not treat a payment on a credit cardaccount 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 2023-01-21
Company: EQUIFAX, INC.
State: CA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I have already filed a complaint with XXXX regarding a loan made to my wife and I that was not what we asked for or was explained properly by a Truist rep. Truist has responded to the first complaint but referred me to the agreement we signed saying we could have changed from a variable rate to a fixed rate at any withdrawal. The problem is that reading that would not have meant anything to us because we told Truist that we wanted a fixed rate for the entire life of the loan. We firmly advised them we did not want any variable rates. As stated already we have never had variable rate loans, even with Truist. We were told since we picked the fixed rate there should not be any problem.

Because Truist took out more money than they should have, it caused other bills of ours to not get paid. When we discovered that we called the creditors to pay, everyone charged us a late fee.

So the Truist response does not address to the issue. If they could not guarantee that any part of our loan could be subject to a variable rate, they should have told us. They are taking XXXX responsibility. 
We were told we had a fixed rate. They lied or their rep was grossly negligent.

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 2021-05-14
Company: EQUIFAX, 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:
Hey hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and no-one was able to help me I was just being past around to department. Please investigate these bureaus and have them delete these fraud accounts off my report. Attached is my ID and my Report I filed for identity theft because these accounts was not me. Have them remove these thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NY XXXX FAX # XXXX XXXX XXXX XXXXXXXX, XXXX, UT XXXX Mrs. XXXX XXXX, Complaint Contact Mr. XXXX XXXX XXXX, President/CEO Board Member XXXX RE : ACCT # XXXX Balance {$1700.00} Friday, XX/XX/2019 To Whom It May Concern ; I recently received a copy of my credit report and have sent requests for information to be verified as reporting 100 % accurate and complete. Experian and XXXX   both have sent results based off the information you provided to them. Please see the information below : EXPERIAN RESULTS REPORT # XXXX Dated XX/XX/2019 XXXX XXXX  UPDATED THE BALANCE TO {$1700.00}. 

XXXX  RESULTS REPORT # XXXX Dated XX/XX/2019 XXXX XXXX  REFLECTS THE FOLLOWING : DATE UPDATED XX/XX/2019 ; ORIGINAL CREDITOR XXXX XXXX ; RATING and REPORTING A BALANCE OF {$1700.00} Upon receipt of these results, I contacted your offices today to resolve this matter only to be told that you had sold this account to XXXX XXXX. I AM DEMANDING A COPY OF THE BILL OF SALE AND ALL OTHER DOCUMENTS REGARDING THIS ACCOUNT BE SENT TO ME IMMEDIATELY VIA FAX AT XXXX AND TO MY HOME ADDRESS LISTED BELOW. I HAVE CCD THE CFPB, FTC and THE ATTORNEY GENERALS OFFICE IN YOUR STATE AS WELL AS MINE AS YOU HAVE VIOLATED MY RIGHTS! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ 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 2022-07-08
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 Per the Fair Credit Reporting Act, a consumer may request a description of the procedure used to determine the accuracy and completeness of disputed information. It also states that the credit bureau shall provide a description of such investigations within 15 days of the consumers request.

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 2022-02-24
Company: EQUIFAX, INC.
State: CA
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:
Equifax has violated FTC rule of 30 days to investigate the claim. They have responded with a result that they have investigated the claim. however they have not investigated the claim at all. A credit inquire i requested investigation from equifax was never investigated and 24 hours after the request they responded that it was verified.

the example above just one of the cases when they did not take the request to investigate seriously,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have been conducting my XXXX XXXX XXXX XXXX with PayPal for TWENTY YEARS. My record is virtually spotless. I process XXXX XXXX XXXX XXXX per month, ALL OF MY INCOME comes through pay pal. This month OUT OF THE BLUE they decided that I would only have access to XXXX XXXX of MY MONEY- this is represents XXXX percent of my earnings. The money is being held for 21 days. I CAN NOT RUN MY BUSINESS. I CAN NOT BUY FOOD. They have repeatedly promised to get back to me BUT THEY HAVE NOT. They do not answer written messages nor do they take any action on the phone. I REPEAT : I HAVE WORKED WITH THESE FRAUDSTERS WITHOUT INCIDENT FOR TWENTY YEARS. THERE IS NO REASON FOR THIS ACTION. They originally told me it was because my sales increased. THAT IS FALSE, I am down 10 % on the year. They also suggested I enter each tracking numbers from orders onto the PayPal site. THIS IS NOT PHOSICALLY NOT POSSIBLE NOR IS IT WARRANTED. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: CA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX  # XXXX, have violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-21
Company: KEYCORP
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/XXXX Key Bank NA processed a check that was dated XXXX XXXX XXXX which was then sent through our Bank XXXX XXXX XXXX. I spent XXXX years in the banking industry and realize that XXXX processes what they receive on the Fed file and the issue is with Key Bank XXXX I contacted XXXX Bank customer service and they transferred me to a local branch in XXXX XXXX The branch rep I talked to could not ( would not ) tell me which branch processed the check or what their policies were on stale dated checks. My wife has a XXXX person interior design business, XXXX XXXX XXXXXXXX, and the records do not go back to XXXX. My banking experience tells me that most organizations will not process checks over 180 days old. My other concern is for expiring stop payment orders... do I need to close my checking account for fear other stale dated checks may be processed without warning? Thank you for reviewing this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-14
Company: JTM Capital Management, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX is not mine but they are on my credit report

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions 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:
I respectfully ask that you eliminate this incorrect account from my credit report since I never authorized its creation and it's not mine. The supporting documents, which validate my claim, are attached.

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 2021-05-14
Company: AMERICAN EXPRESS COMPANY
State: MI
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 filed a dispute in regards to the incorrect inquires on my credit report, it has been well over 30 days and still have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
In the early XXXX  hours of XX/XX/XXXX, I was out with friends as we were all on vacation in XXXX, XXXX. I got separated from the group, as I walked my XXXX  to her XXXX. I walked her to her XXXX, and after I went to call a friend to meet back up with them so we could get on our way back home. They did not answer. I stopped to text them, and as I unlocked my phone to text them- a unidentified man ran passed me and stole my XXXX from my hands- resulting in several fraudulent charges being made on my digital wallet, such as XXXX XXXX, and XXXX XXXX The XXXX XXXX and XXXX  fraudulent charges totaled greater than {$3000.00}. JP Morgan Chase and their claims department, have not been able to assist me or come up with a fair resolutions regarding these fraudulent charges. Although I have faxed them my full police report that showcases the phone theft and fraud, Chase stills claims that these payments were authorized by me. And they were not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have a checking account and I always pay my bills such as my light bill. But the bank pulled it as fraud. It wasn't fraud it was my light bill. Now I'm paying for it. Then they let someone try to deposit a check in my account. Now I'm being charged for that.

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 2019-06-28
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I had signed up for a business credit card by Wells Fargo. At the time that I applied it was the XXXX, NJ branch back in XX/XX/XXXX. According to the customer service representative we were told that there was a promotion on the credit card regarding sign on bonus of {$500.00} cash back or XXXX reward points if we spend {$3000.00} or more on the account. The requirements were to make charges on the credit card within 90 days of account opening. We did fulfill this requirement apparently upon contacting customer service from Wells Fargo they told us that in actuality they never heard of the promotion. 
However we spoke with XXXX from customer service on XX/XX/XXXX at XXXX p.m. and she had promised us that she would extend the promotion charge period from XX/XX/XXXX to XX/XX/XXXX. Basically we had to make upto {$5000.00} in new charges so far at the time we had incurred about {$3000.00}. So we did make an additional {$2000.00} of business purchases on that credit card which brought our total charges made on the credit card to {$5000.00}. XXXX from Wells Fargo customer service told us that the sign on bonus would be reflected on our statement within 1-2 credit billing cycles which would bring it to XX/XX/XXXX. We again contacted customer service on XX/XX/XXXX via message center online through the Wells Fargo login to inquire about the sign on bonus and to confirm that we would receive the bonus by the XX/XX/XXXX statement. We spoke with XXXX XXXX on XX/XX/XXXX at XXXX p.m. who clearly said we would be paid out the {$500.00} or XXXX reward points by the XXXX statement. XXXX XXXX from Wells Fargo customer service gave us a case number to followup in the future in case we should call the customer service phone number ( XXXX ) and that case number is XXXX. Fast forward to XX/XX/XXXX we contacted customer service from Wells Fargo again and this time I spoke with XXXX on XX/XX/XXXX at XXXX p.m. who stated that the credit should be reflected when our XX/XX/XXXX statement is released. Fast forward to present the XXXX statement was released two days ago and we have yet to receive the bonus. I feel like we are being jerked around by Wells Fargo. Hence I am forced to address my grievance here. 

Please advise further. 

Kind thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Business Owner

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