BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-25
Company: WELLS FARGO & COMPANY
State: ID
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
In XXXX I took out a loan on a XXXX XXXX with wells fargo bank, two years latter when the housing market crashed I lost my job and returned the car to them volunteerily with the understanding that they take the car and nothing else agreed to by my loan officer over the phone, 11 years latter I was sent to collections and refused to give them anything as per the original agreement with the bank, I received another attempt to collect with a different debt collector about a year after that and again refused because of the original agreement. In XXXX there was another attempt from yet another debt collector and I again told them no and refered them to my original agreement with the bank, now in XXXX on XX/XX/XXXX I was called along with my father and both brothers from an office calling itself the process office, after contacting them I was given a phone number and a reference number. After repeated attempts to contact the law office? I am not entirely sure they are but they do claim to be I was told the are bringing a law suite agents me for the debt on the XXXX in spite of the previous agreement made between myself and the bank, when I told them the statute of limitations has long sense expired I was told they are using a loophole in title 34 or something.

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: Patient Accounting Service Center
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a collections notice on a debt that I was never billed for. My complaint is with the medical provider of the debt XXXX XXXX XXXX XXXX XXXX. They never billed me for services I received in XX/XX/2023. I have no record of a bill. I paid a copay of {$70.00} cash ( upon arrival I believe ) which should be the total amount owed. I thought this was resolved until I received notice that my unknown debt was referred to a collection agency. I found out from the collection agency that this provider tends to bill once and refer to a collection agency. I never received a bill. I also inquired about my payment and was told there was no record of patient payment and since I believe I paid cash I now have no record. I called the medical provider directly and asked for a call back 5-6 days ago and have not heard back. I am filing a complaint for the way they are doing business. When talking to collections I was told this is the way the provider does business. They send one bill and then send you to collections. This does not seem like a good way to do business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: Resurgent Capital Services L.P.
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:
XXXX XXXX ( XX/XX/XXXX ) - XXXX - {$4700.00}, will not remove closed account from credit report XXXX XXXX XXXX ( XXXX XXXX ) - XXXX {$1200.00}, will not remove collection off of report XXXX XXXX XXXX  ( XX/XX/XXXX ). - XXXX {$1100.00}, will not remove collection off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: Experian Information Solutions 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:
Experian has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. This is a serious ongoing issue with them. Any claim to have investigated the issues is false since there has been no contact with me resulting from said investigations. I plan to take legal action but I want to create a paper trail. 

The items are as follows : ACCOUNTS XXXX/XXXX XXXX not mine COLLECTIONS XXXX {$920.00} not mine XXXX XXXX XXXX {$1800.00} not mine

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 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 fair credit reporting act XXXX XXXX  XXXX Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report?

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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 2020-11-20
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
I opened a XXXX store credit card a little over a year ago. Everything was going well and I never had an issue. A few months ago I received a notice that my XXXX card would be converted into a MasterCard. 2 Months ago I noticed XXXX removed the Credit Card and its history from all 3 of my credit reports. My credit score has dropped over 50 points because of this. Im requesting you add the tradeline back to my Credit Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX Received check in mail from US Treasury for FED STUDENT LOAN REFUND check number : XXXX ( see attached ) XXXX Deposited check into checking account via truist bank mobile app XXXX Received e-mail from truist bank notifying me that a hold was placed on the check ( see attached ) stated reason, we have confidential information that indicates the check may be returned and may require an additional review. 

XXXX Checking account frozen by truist bank for all incoming and outgoing transactions XXXX received e-mail from truist bank notifying me that a hold was place on the check ( see attached ) stated reason, some information on the check is inconsistent with other information on the check. 

XXXX Spoke in person at my local truist bank with manager XXXX XXXX ( branch leader II assistant vice president ). I provided him with a photocopy of the check and was told he would, look into it and he would also submit a request for information from truist bank fraud department. He stated he would, keep in touch with me. 

XXXX I contacted XXXX who is my student loan servicer. They verified that the check was a legitimate check from US Treasury. 

XXXX XXXX XXXX XXXX XXXX had not contacted me so I went back to the branch to speak in person to let him know I received confirmation from XXXX that the check was legitimate. He informed me that I could not speak to the fraud department and he needed to act as intermediary. He told me that according to truist bank fraud department, US Treasury has flagged the check as fictitious and that I would need to contact US Treasury. 

XXXX I ran the check number through US Treasury Treasury Check Verification System ( TCVS ). The results were, Check verified Status : Paid ( see attached ). 

XXXX I talked to XXXX to receive verification in writing confirming the legitimacy of the check. They began the process of mailing that information to me. I have not received this information yet. 

XXXX XXXX I made several unsuccessful attempts to contact US Treasury via phone and e-mail. 

XXXX I had e-mail communication with US Treasury OIG which confirmed that the check was legitimate, that US Treasury had no claims on the check and that US Treasury confirms the check status was paid on XXXX. XXXX XXXX : XXXX ( see attached ). 

XXXX I returned to my truist bank branch to speak with XXXX XXXX and provide him with the updated information. He spoke with the fraud department again and informed me that NOW their fraud department is claiming that US Treasury HAS NOT flagged the check as fictious. He stated that he needed to investigate further with other departments and that he would, keep in touch with me. To this point I have received further communication with 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 2022-12-20
Company: Experian Information Solutions 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:
I called the XXXX after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was a accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX  XXXX Late payment XX/XX/XXXX 30 days late will be removed. 
XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} 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 non-monetary relief
Consumer complaint received 2023-09-19
Company: CULLEN/FROST BANKERS, INC.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
On Thursday XX/XX/14, I mobile deposited at check with Frost Bank around XXXX XXXX CST, after I deposited the check, I noticed that my mobile banking locked up and I couldn't access it anymore. I then called customer service and tried to see why my bank account was locked and why I couldn't access it. I was then told by a customer service representative that since my account is a newly opened account, they could not put a hold on my account, so they ended up freezing it for the time being until the check issue could be resolved. The representative then got me in contact with a banker from Frost Bank. The banker asked me if I could get a contact number for my employer to have the check that was deposited into the account verified. She then stated that, if we could not get the company to verify the check, she would then have one last option which was to call the banking institute that my employer used for the checks. The banking institute is XXXX  XXXX XXXX, XXXX. So the problem is I definitely understand the whole thing about the banker not working over the weekend because it's her off days, but I've called her several times yesterday to see if she at least tried to call XXXX  XXXX XXXX like she said she would to get my check verified. I've already waited for weeks for my employer to send out the check to me, but now to have issues with depositing it as well. I need my money and I'm frustrated because the representative who helped me Friday assured me that once she came back from her weekend off days that she would help me get the check verified. Yesterdat when I called her she basically just ignored me, and come to find out that she could have helped me, I'm frustrated when I mobile deposited the check it said that I would have to wait on XXXX business days, but it's been more than a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
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: Account information incorrect

Complaint:
XXXX XXXX is reporting an account that they claim was sent to them for XXXX. The verification they sent me shows a final bill in XXXX. This bill is beyond the statue of limitations to be collected on and should not be reporting to my credit report anymore. I have filed a claim with FTC and have sought legal help. Credit reporting agency also has not sought proper verification for 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 non-monetary relief
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: MO
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, XXXX XXXX XXXX XXXXXXXX, has violated my rights 15 USC 1681 section 602A states l have the right to privacy 15 USC 1681 section 604A section 2 it also states, a consumer reporting agency can not furnish a account without my written instructions 1 5 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Ocwen Financial Corporation
State: AK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was divorced last year of a XXXX  year marriage and part of the divorce settlement was to get my wife released of liability for this loan. I started the process XX/XX/XXXX. I paid the {$370.00} application fee and can't get the release of liability processed. The phone number that I call goes to an offshore call center and get assigned to different agents weekly. I sent and resend the required documents and they claim they can't open them or didn't receive them. Some agents are very difficult to understand and don't seem to comprehend what has been done numerous times or what I am saying. They change what they need to process and ask for more, even after I verify that is all they need. I have asked to talk to a US based person and was only able to once and told to call back. They won't give me a US based direct line to call. Each call goes through a menu system and can take over 30 minutes to actually talk to someone. I leave messages and they say will call back and never do, claiming they tried but line was busy. I have no record of any attempt for them to call back. 

I have a credit score in the mid XXXX 's and have never missed or been late on a payment in XXXX  years. I am presently retired and have retirement income, rental income, as well as social security, which more than covers the payments that I have been paying for since XXXX. I have sent income tax forms, bank statements, rental agreements, Retirement award letter, divorce decree, and other forms they requested.

I email forms and get an automated return saying they got it, then told they never received it or were unable to open the link. The documents sent were in PDF format locked with the last 4 digits of my SS number which they use to identify me when I call. 

They seem to be deliberately delaying and causing me to exceed the deadline set by the judge to get this resolved. 

I have asked for a record of all the calls and interactions that have occurred and told they would need a court order to give that. 

I can download more emails if necessary. 

It is like using the off shore call centers is a deliberate way to avoid any customer interaction with the company. They are trying to make it as difficult as possible and take up as much of your time so that you give up and quit. Possibly to force you to get financing at a higher interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I did not know that my chase credit card was charging me a min fee for every XXXX transaction I was making since the card was tied to my XXXX account. I was notified on the XXXX side of a fee that they charge but was never made aware that there was also a significant fee on the credit card side. I was using XXXX to pay friends and family members for small reimbursement purposes and sometimes the minimum fee charged by chase bank was 50 % or more of the XXXX transaction. I feel these charges have been unfair and deceptive since the additional charges from the credit card side are not reasonably visible for a consumer to be aware of these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: Experian Information Solutions Inc.
State: MD
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:
I paid off and closed my personal line of credit with XXXX  XXXX XXXX XXXX XXXX. But on my credit report it is showing there is a balance with XXXX, XXXX, and Experian. I file a dispute with all credit reporting agencies but it wasn't resolved. I attached a copy of my receipt showing the balance was paid in full.

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 2023-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
NOTICE TO SUPPRESS LISTED ACCOUNTS The FCRA states the consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy in consumer reports. Which you Transunion did not adhere to. The FCRA states that Consumer Reports must be accurate and not misleading. The word maximum, and possible mean greatest in quantity or highest in degree attainable. Accuracy, in turn means freedom from mistake or error. And being free from mistake or error means being free from a misunderstanding of the meaning or implication of something and not deviating from truth or accuracy. 



The account fail to meet the accuracy standards outlined in 15 USC 1681 ( e ) ( b ) and are therefore incomplete and inaccurate and can not be reported to my report. This notice serves as a dispute regarding your failure to accurately report these accounts and its completeness and to suppress all listed accounts. 


SUPPRESS ALL LISTED ACCOUNTS BELOW. 


XXXX XXXX XXXX Inaccurate day of account opened. Inaccurate day of delinquency. Inaccurate payment history. 

A compliance standard was put in place In 1997 for credit reporting agencies stating that If items on a consumer credit profile, does not meet the mandatory legal guidelines to be reported it cant be on a consumer credit profile. This deviate from the standard of compliance. You are not in compliance. Remove all listed accounts immediately or legal action will be taken.

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 2021-10-08
Company: CITIBANK, N.A.
State: WA
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:
I was enticed to sign up for a Shell Fuel Rewards Mastercard because of the following promotion : " Earn 10 % Shell rebates on your first {$1200.00} Shell non-fuel purchases per year. '' I was led to believe, by the lack of clarity in the pitch, that any non-gasoline purchase I made on the card would give me a 10 % rebate on the first {$1200.00} ( XXXX dollars ). 

After speaking to the card company on the phone, asking why I was not receiving the promised rebates, I was informed that the rebates only applied to non gasoline purchases made in a Shell convenience store. Seriously? They think I understand that I am going to purchase XXXX a year in candy bars, chips and sodas? I am not a smoker, so there is no savings to be had for me. I was deceived into signing up for this card. The advertisement was ambiguous and deceitful. 

It is not clear when the say " Shell non-fuel purchases '' that they mean purchases in a shell retailer. I understood " shell non-fuel purchases '' to mean purchases made with the Shell Fuel Rewards Mastercard.

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