BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-28
Company: CAVALRY INVESTMENTS, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Dear Sir or Madam : I am writing to complain of abusive debt collection tactics used by Cavalry XXXX, addres : XXXX XXXX XXXX, XXXX CT XXXX, and to request that you investigate this matter. 
Cavalry XXXX began contacting me about my former credit card XXXX XXXX account # XXXX. The last payment for this account was made on XXXX, XXXX and the balance was {$2300.00}. 
Cavalry ' abusive collection tactics included : Calling me at XXXX XXXX and after XXXX XXXX 
Emailing me with the request to pay them {$3000.00} ( copies of emails are attached ), without any verification or validation of the debt, and proofs of debts ownership. 
Threatening me with the legal actions to collect unverified debt. 
Continuing to contact me after I wrote them and told them to stop. ( Copy of letter enclosed. ) Billing me for {$3000.00} when my ending balance was {$2300.00} on my account. 
Cavalry never submitted the proof of Ownership of this debt. If they bought the debt from XXXX XXXX XXXX, they must submit me Bill of Sale or other document of purchasing this debt and that it has the right to collect this debt. All they ever mailed me that are XXXXXXXX XXXX XXXX  Statements, that are only proved that I owed money to XXXX XXXX, not Cavalry. 
Cavalry did not submit any document who it is, what right it has to conduct business and collect the debts in Pennsylvania, state Licenses, etc Cavalry is trying to collect a debt for the fraudulent, stolen account from me without any documents to proof to support its claim. The bank statement of fraudulent account that was submitted to me is not a proof. I'm avictm of Identity theft. In XX/XX/XXXX I was robbed and my purse was stolen, with Credit Cards, Driver 's License and Social Security card. I reported right away to XXXX XXXX Police Department, address : XXXX XXXX XXXX, XXXX XXXX, PA XXXX. After that I got many unauthorized charges on credit cards from Arizona state. I have never even been in Arizona. I have a lawsuit with XXXX XXXX XXXX that they are do not remove fraudulent address from my credit report. 
Also, my debt with XXXX XXXX is too old. 4 years of Statue of Limitation have passed in XX/XX/XXXX. It is illegal to demand a debt when the statute of limitations expired. 
Please see attached correspondence from me and Cavalry. Again Cavalry did not produce any proof that I owe the debt to them, Bill of Purchase, Licenses and other legal documents, supporting its demand. Without these kinds of documents, Cavalry is a scam. 
Very truly yours,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: WELLS FARGO & COMPANY
State: CA
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 had unauthorized charges on my debit card. Its an ongoing problem. I do not look at, y online banking often because I know what I spend and you would think I would get notified of these charges. But when I looked at my account on XX/XX/XXXX I saw, y account was drained and there was a ton of unauthorized charges. I spoke with XXXX at Wells Fargo and she helped, XXXX with my claim. She noticed there was an XXXX and XXXX XXXX attached to my account with a phone number I did not recognize and I do not have an XXXX. She deactivated it and suggested I file a police report and get my phone checked for viruses or fraud. My dad got me a new phone and we filed a police report. But today my claim was denied. All my money and tax return is gone and XXXX cant even pay rent now. Wells Fargo did not call and ask me any other questions as they went through the claim. These were all unauthorized and I shouldnt be liable for charges I did not make. I ve banked with them since XXXX and am furious that this has happened and that this was there response.

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 2022-09-26
Company: Experian Information Solutions Inc.
State: IN
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 XXXX5 USC 1681. 
I 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 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 2023-12-11
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Did you know that XXXX prices rides higher when using an American Express card than other credit cards? The EXACT fare is about XXXX % higher when you use an Amex card to request an XXXX ride. I have done dozens and dozens of tests and every time this happens. XXXX refused to admit or deny this and it is likely in concert with American Express because Amex give a monthly XXXX statement credit and this is offset by higher prices. This is collusion and easily proven.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX Balance : {$430.00}.

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
Consumer complaint received 2023-10-25
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I have a mortgage with TD Bank for many years. In XX/XX/, I opened checking and savings account with them. The TD Bank decided not to close my banking accounts. Even though my loan was not in any form of default, TD Bank terminated my online access for me to view my loan status because it was linked to banking accounts. I have no problem they do not want my banking relationships, but I need to gain access to online to see if my payments were made, my escrow balance, etc. 

TD Bank is committing a predatory lending and in violation of Fair Housing. They want to me to wait for paper ( uncertified mail ) statements every single month and to call their loan department for payments. This is unduly burdensome and if I miss any payments due to postal service 's missed delivery, I would be in default and they can foreclose on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I used Experian to apply for a lease on XX/XX/XXXX. Applying to start electricity with XXXX then required Experian, But my login wasnt working. I tried following online instructions multiple times, but the same error kept happening, blocking me from accessing/changing password. 

I called their service during business hours, but it kept putting me on a loop with an automated service, which only had the option to give me instructions for online restart ( which I had already done above ), or to have instructions mailed! It kept saying that a representative was not available.

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 2023-05-26
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I noticed fraudulent activity with my account on XX/XX/2023. I immediately went to the bank and reported it. They took down my information and filed a case on my behalf. Today XX/XX/2023 I tried to check my account and was denied access and was instructed to call I called the number they provided me. I was told that since my complaint was about a wire to a bank in XXXX that they had tried to get the funds back from said that they had no funds to send and I must have given my user name and password to someone or let them take control of my computer that I would not receive any credit back to my account. I asked them why would I give someone that information and then come to the bank and file a claim on the same day it happened. I was told that wire transfers take place in real time and that there was nothing that they could do. I did not authorize a wire transfer nor do I know anyone in XXXX, and I have never attempted to make a transfer of this kind in the past nor will I make one in the future.

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 2023-12-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
i recieved a copy of my credit report and noticed some accounts the are not mine i never used

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
According to XXXX  XXXX  I owe almost XXXX $ on a care credit card from synchrony bank. They said the date was from XXXX  and i XXXX  XXXX XXXX XXXX  from XXXX Then XXXX  XXXX  changed the date to XXXX. When i left America in XXXX i had paid off all my bills. Everytime i call XXXX, XXXX  XXXX, or synchrony bank no one can give me any facts on what this XXXX $ is from. I am afraid it is fraud and it is on my credit and i can not get an apartment.

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 2023-05-25
Company: Experian Information Solutions Inc.
State: GA
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 did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent

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 2022-12-20
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have filed dispute with XXXX, Equifax and XXXX, but i have only heard from XXXX and Equifax. Its been over 60 days and I haven't heard anything from XXXX. XXXX an Equifax reported that the information was verified and accurate but I have proof that that is not true or accurate. 

XXXX XXXX has deleted the bankruptcy off my consumer report and the US bankruptcy court verified that they do not report the the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
Company was never authorized to share personal credit reports with 2nd, 3rd or any parties not authorized by me myself or identity holder which is my according to credit reporting law, i would need your help and getting them to remove all this XXXX information on my credit report please

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Experian Information Solutions Inc.
State: GA
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the listed account. 
XXXX XXXX XXXX XXXX Balance : {$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
Consumer complaint received 2022-11-21
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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  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 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 2024-01-02
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Sub-product: Store credit 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 am writing to formally dispute a charge on my credit card related to XXXX XXXX : XXXX XXXX, specifically the purchase of a XXXX XXXX XXXX XXXX XXXX XXXX the amount of {$360.00}. I appreciate your attention to this matter and kindly request your assistance in resolving the dispute. 
On XX/XX/2023, the XXXX XXXX XXXX XXXX XXXX XXXX which was scheduled for delivery on XX/XX/XXXX, was supposedly left at my mailbox without the required signature confirmation / One time password. According to the USPS tracking information : XXXX, the item was marked as delivered a day before the expected delivery date. The failure to obtain a signature or one time password, as initially specified for delivery, raises concerns about the security and integrity of the delivery process. 
Subsequently, on XX/XX/2023, I contacted XXXX customer service to report the missing package. To my surprise, I was informed that a refund would only be processed if I filed a police report. However, I firmly believe that the responsibility for the missing package lies with XXXX and their chosen delivery service, as the package was left without the required signature and no one time password was requested or provided to carrier. 
In light of this situation, I promptly contacted Synchrony Bank on XX/XX/XXXX for guidance. The customer service representative I spoke with reassured me that it is not my responsibility to file a police report and, in fact, advise me to dispute the charge. Consequently, based on this guidance, I am formally disputing the charge of {$360.00} for the XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. 
I have attached relevant documentation, including order confirmation, XXXX requiring signature / one time password for the order and USPS tracking information, indicating the premature delivery and lack of signature confirmation. I kindly request that you investigate this matter and assist in the resolution of the dispute. I believe it is unjust for me to bear the responsibility of filing a police report for a package that was not delivered according to the agreed-upon terms. 
If further information is required to expedite this process, please do not hesitate to contact me at XXXX or XXXX. I appreciate your prompt attention to this matter and thank you in advance for your assistance in resolving this dispute.

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 2023-02-18
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I sent my billing error notice months ago in XXXX via certified mail. I have not received any notification regarding investigation into this matter. There was no notice to any of the credit bureaus regarding this matter. The company never contacted me via mail regarding this matter and today XX/XX/23 no updates. 

Certified mail # XXXX XXXX XXXX XXXX XXXX or Certified mail XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: AES/PHEAA
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: Account status incorrect

Complaint:
My federal student loans ( fed loan servicing ) went from on time payments to the next month 120 days late this information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Starting around XX/XX/22 my husband XXXX XXXX XXXX was draining our marital money out of 7 joint chase bank accounts. By the time he filed for divorce the accounts were XXXX balances, and negative balances, he recently opened a new account under our eldest and his name. Had drained XXXX into his own separate accounts at another bank : XXXX, XXXX XXXX XXXX and others. Wire transfers to his father of almost XXXX. He forged my inheritance account checks totaling XXXX. 

I have called chase bank and spoke with a private banker several times and nobody is helping me. I live in fear everyday as a single mother or XXXX boys while is a physician making XXXX a year. This is financial abuse and want charges made

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-13
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Once again XXXX XXXX has denied my claim XXXX XXXXXXXX stating that an escalated review was completed but were the document, phone records, analysis i.e anything that will support their claims or finding that these transaction were authorized. They keep speaking of an internal system which is only computer with numbers. Their evidence is only my account/ statement showing the funds has been taking out of the account which is what we know, but they continue to state a claim in which they are denying me my security credits, and I believe no records at exist. This is a willful and intently done to caused me harm and damage. How can XXXX XXXX continue to deny my claim with no evidence and the CFPB continues to do nothing. If there findings are indeed correct than it should be no problem for them to provide Authenticated documents, records, numbers, names, I.e any information supporting that claim but on today XX/XX/2024 I received another packet from XXXX XXXX that contains the Deposit agreement which only proves my point. They fail to show anything thats contradictory to my statement and proof or not only a Breach of contract but also a Breach of Trust as Fiduciary of My Trust they are failing to do whats right for me the Beneficiary and I will not stop until this goes to Federal court and I will subpoena the CFPB for failing to do their job.

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