BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-18
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX I sent a letter to XXXX XXXX requesting that they Validate NOT verify a debt that they are attempting to collect from me. Not because I was notified of any debt but because I saw it on my credit report however, I never received a response. As a result, I disputed the account with all three credit bureaus several times might I add, and each time I received a response of account verified as accurate and/or " meets requirement of the fair credit reporting act '' with no supporting documents. This was found not to be true when I finally received a letter from XXXX XXXX with a billing statement attached in XX/XX/XXXX stating debt is valid, attached is verification of the debt ''. A billing statement does not prove that this is my account/debt nor I am obligated to pay them. In addition to that I walked inside of a XXXX store and asked would they be able to provide me with a signed copy of an original contract and was told no they could not. I would have to contact the creditor on my credit report and they could not provide me with any proof that no such account did or did not exist or of my inquiry. XXXX XXXX is reporting delinquent information to the credit bureaus that I am asking to be deleted.

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 2023-01-20
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX has been harassing about a bill I dont owe. XXXX XXXX Bank has sent me a certified letter stating I am not responsible for this account and has removed it from my credit report due to it not being me who open the account. XXXX XXXX Bank stated they informed XXXX XXXX XXXX about this account. XXXX XXXX Bank has noticed all three credit bureaus to remove the account but XXXX funding has taken it upon themselves to still try and collect on an account thats not mine. According to the Fair Credit Reporting Act this is definitely a violation and I can sue for the damages XXXX funding has caused to my credit file by reporting a fraudulent account that doesnt belong to me. My next step is to file sue against this account for violation of rights, punitive damages and harassment. I m sure the judge will side with me. I have documents from XXXX XXXX Bank and XXXX funding should have those documents as well. I suggest XXXX XXXX XXXX reach out to XXXX XXXX Bank and not contact me or harass me anymore along with ceasing all communications. This is my last warning. A report has been file me with the XXXX XXXX XXXX as well and with the governor for the state of Georgia.

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 2022-03-21
Company: Experian Information Solutions Inc.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2022, I paid off 2 student loans to XXXX totaling {$25000.00}. During that same time period, I also paid off a mortgage to XXXX XXXX XXXX  in the amount of {$120000.00}. After paying off these balances, my Experian credit score dropped by XXXX points. My XXXX mortgage balance was reduced by {$960.00} during this same time. I am seeking an explanation on why -- after paying down close to {$150000.00} in debt, that my credit score would drop rather than increasing. Use of an algorithm that decreases my credit score after paying off debt seems to run counter to and defy logic. The way my scores are being calculated at Experian, it is as though my score is higher when I am carrying more debt. This seems extremely unfair to consumers. I am asking that the CFPB do an investigation into the use of such practices and algorithms. Thank 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 explanation
Consumer complaint received 2023-01-20
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: Their investigation did not fix an error on your report

Complaint:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) require the XXXX and Equifax Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX Date Opened : XXXX Balance : {$270000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: FirstPoint Collection Resources
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 this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states consumer reporting agency can not furnish an account without my written instructions under 15 USCs 1666b a creditor may not treat a payment on a credit card account under an open and and consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: WELLS FARGO & COMPANY
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My son had a student loan with Wells Fargo. I co-signed the loan. My son settled the debt with Wells Fargo and {$14000.00} was the total amount of debt discharged ( written off ) in the agreed upon settlement. For tax purposes, Wells Fargo issued both me, and my son, a XXXX COPY B FOR BORROWER/DEBTOR that requires us both to file with the IRS, meaning we both must pay taxes on the same {$14000.00}, paying double tax. 

After speaking with 3 tax advisors and an attorney, I was told that as a co-signer, I should have received the XXXX COPY C FOR GUARANTOR. This would not require me to file this form with the IRS, as my son would file and pay the taxes as the " Borrower ''. 

Wells Fargo, in issuing 2 " COPY B FOR BORROWER/DEBTOR '', is thus able to report double the amount of money as written off or discharged. This is illegal, unethical, and unscrupulous. I'm sure I'm not the first one to whom this has happened. 
I've spoken with XXXX people at Wells Fargo - 2 ignorant, and the 3rd obstinate who are unable, or unwilling to correct the second copy and re-issue as a XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
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:
In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX  XXXX  Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX XXXX XXXX  XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: EQUIFAX, 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:
ON XX/XX/XXXX I CONTACTED XXXX XXXX XXXX TO DISCUSS A CHARGE OF {$290.00} ( CHARGED-OFF ) ON MY CREDIT REPORT. I WAS A PREVIOUS STUDENT ATTENDING THE XXXX   ON FINANCIAL AID WITH NO OUT OF POCKET COSTS. DUE TO MY HEALTH AND HOSPITALIZATION I WAS UNABLE TO ATTEND THE CLASS AND NOTIFIED MY ACADEMIC ADVISER IN XX/XX/XXXX. I VERIFIED WHAT THIS CHARGE WITH FOR WITH THE SCHOOL AND I WAS TOLD THE SCHOOL WAS REQUIRED TO RETURNED FUNDS BACK TO THE DEPARTMENT OF EDUCATION AND THE PRORATED FEES WERE ASSESSED TO MY SCHOOL ACCOUNT. 

- THE PROBLEM IS I WAS NEVER NOTIFIED OF ANY TYPE OF FINANCIAL AID PROBLEMS. 

- THE {$290.00} IS A RESULT IN A FEE THE SCHOOL ASSESSED FOR A CLASS I DID NOT ATTEND. 

- I WAS NEVER PROVIDED AN OPPORTUNITY TO PAY THE FUNDS IF FACT I AM RESPONSIBLE. UNDER MY STUDENT ACCOUNT HISTORY I WAS NEVER INVOICE FOR THE AMOUNT SHOWED CHARGED OFF ON MY EQUIFAX CREDIT REPORT. 

- XXXX  XXXX XXXX IS NEGATIVELY REPORTING A CHARGED OFF ACCOUNT THAT HAS NEVER BEEN VERIFIED AS VALID ON MY EQUIFAX REPORT. 

- THERE IS NO AGREEMENT THAT HAS BEEN PROVIDED THAT I HAVE WITH THE XXXX   REGARDING ANY FEES THAT I OWE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: Perfection Collection
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After a careful review of my credit report, I noticed that a company, Perfection Collection ( " Perfection '' ) had placed an account in collection through XXXX. I called Perfection and was informed that they represented XXXX the original company in which the account was opened. Perfection also indicated that the account was opened in my name by XXXX in XX/XX/2016. I informed them that I never opened the account and their reporting is causing severe harm to my credit score. Perfection indicated that they were not removing anything and that I needed to call XXXX. 
I called XXXX was was told to email a copy of the police report to their account receivables. I have sent the police report to the account receivables, but I believe that XXXX was negligent in the whole process. They opened an account without any account verification. As such, I now have an fraudulent account on my credit report. 
I am a business owner and my credit means everything. In light of the foregoing, I believe that XXXX and Perfection should be liable for the errors. As a resident of XXXX, I never received any notification and/or any forms of correspondence regarding this account. How could I have known about something I never consented to do. As such, I am respectfully requesting for a full investigation with both companies. How could it result into an account being placed on my account that was never verified. XXXX  lack of diligence has caused substantial harm to me.

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 2022-03-21
Company: Affirm Holdings, Inc
State: WA
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:
The account I previously had, has been charged off. By XXXX XXXX IRS Clearly says a Canceled debt or Charge off Is Income. The reporting of this account as a debt is inaccurate. 

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

I have contacted this establishment informing this manor. I have yet to see any change nor response from these companies reporting to the credit reporting agencies. 

companies contacted XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, AFFIRM, XXXX XXXX XXXX XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18
Company: CITIBANK, N.A.
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filed a complaint with the Credit Card Company and I'm including all the communication ( XXXX XXXX XXXX XXXX ) between the Credit Card Company, the Merchant and me.

In summary, there were two issues : 1. The merchant offers different advice service for the trading / investment in the stock market. The promotion of this specific service I purchased is a fraud. After 45 minutes video and long promotion the claim ( XXXX XXXX XXXX XXXX XXXX ) is " 100 % accurate in picking only winners for year-long stretches ... ''. ONLY AFTER THE CREDIT CARD PAYMENT IS PROCESSED, I had access to the transactions performed during the last two years. The accumulated TOTAL for last two years is negative in both years. I requested to cancel the service with the merchant and with the credit card the very first day, since it is clear that the service was a fraud.

2. The other issue is that I paid for a year subscription of an advice service that claims to use software that find & follow the trades of successful well renown traders as " XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX " Then, 45 days after I subscribed, they decide to CANCEL the " XXXX XXXX XXXX '' with the " XXXX XXXX XXXX '' and just transfer to OTHER ADVICE SERVICE called the XXXX XXXX XXXX  ( XXXX ). They claimed the service was similar. 
In my book if I subscribed to a service for a year and THE MERCHANT decided to discontinue that service and the client DOES NOT WANT THE ALTERNATIVE PROVIDED, simply you must be entitled to a refund for the period the service will not be provided. 

In both cases, a misleading promotion and a cancellation, the merchant did not want to return the money because according to them they have a " non refund '' policy. This is the reason why the Credit Card is based on the reasoning of the merchant ( XXXX XXXX XXXX ). It is my opinion that " non refund '' policy that does not provide the service is a steal. A credit card company must protect their clients from this type of frauds, not allow them.

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 2023-01-20
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there's still an account that needs to be UPDATED. I need this account verified in order to clarify my credit report Here is the account : XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: FIRSTBANK PUERTO RICO
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX we got hit with hurricane Maria in Puerto Rico, after some time without power and access to money and damages we had to leave Puerto Rico I am XXXX veteran I informed them of my looses and the said to turn the vehicle to them that they would report it as disaster related. its now years since I have been trying to get them to remove there statement from my credit report if they charged off the vehicle how is it that there is a balance and the account open as I see it they are trying to get pay again I need this off my file its killing me any help would be great thank you here are the accountsFIRST BANK PUERTO RICO Potentially negative Date openedXXXX Balance {$6100.00} StatusAccount charged off. {$6100.00} written off. {$6100.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date openedXXXX Balance {$11000.00} StatusAccount charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Under the new law effective XX/XX/2017 any and all public record data must include name, address, SSN or full DOB for it to appear in your credit report. The credit bureau has not updated the information and per the new law the Bankruptcy listed does not include this information and therefore should be deleted from my credit report.

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 2019-10-04
Company: NAVY FEDERAL CREDIT UNION
State: FL
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:
On XX/XX/XXXX I place a stop payment for an ACH debit for a XXXX XXXX payment through Navy Federal 's website. 
On XX/XX/XXXX, I called Navy Federal to confirm that the stop payment had been received and was told by a representative that the stop payment was being processed. 
On XX/XX/XXXX, the XXXX XXXX purchase was posted to my checking account. I called the same day and requested to have the funds reversed and inquired as to why the stop payment failed. As a result, my payment for the electric bill was returned. I was told that the stop payment possibly failed because I was supposed to submit the request via phone and not online ( this was never told to me by the rep I spoke with on XX/XX/XXXX ). I was emailed a dispute form and the funds were placed back into my account on XX/XX/XXXX. 
On XX/XX/XXXX I called my electric company and paid my bill, but they informed me I had incurred a return fee and was restricted from making any ach payments. The electric company requested a letter from Navy Federal showing that a stop payment was issued and failed, making the payment return.

I called Navy Federal afterwards a requested a letter be emailed to me, so that I could provide it as proof of the failed stop payment. I was told by the rep that they would have to listen to the phone call from XX/XX/XXXX, to verify that I was told the stop payment was being processed and to call back later in the afternoon to follow-up. 
I called back later that afternoon and spoke with XXXX ( supervisor ) and she stated she would pull the call from XX/XX/XXXX herself. She then stated that the call was not recorded and she could not listen. XXXX stated that she would need to have an analyst check to see if the call can be retrieved and she would call me back on XX/XX/XXXX once they have gathered all the information. 
On XX/XX/XXXX, XXXX called and informed me they were able to listen to the XX/XX/XXXX call and because of such, could not send me a letter confirming that a stop payment was placed on XX/XX/XXXX. I told her that as a member of the credit union, I should have access to retrieve a document showing that this stop payment was issued. She informed me that because the call between the rep and I from Navy Federal was not recorded, they could not send me documentation. 

This is an unjust and unfair act, because I ( the consumer, customer, member ) is suffering because of a mistake and fault on Navy Federal 's part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
BMO Harris is providing its customers an interest rate lower that what they advertise in their marketing. 


I opened a savings account on XX/XX/2023 with BMO Harris that advertised an interest rate of 4.20 %. 

https : //www.bmoharris.com/main/personal/onlinesavingsaccount/? XXXX Once the account was opened on XX/XX/2023 I was informed via my account profile on BMO Harris ' website that the interest rate is 4.114 %. 

Following the instructions in the Product Disclosure I called BMO Harris at XXXX to learn the current interest rates for the account on XX/XX/2023. The employee on the phone confirmed that the advertised interest rate was 4.20 % and that the interest rate on my account is 4.114 %. 

They were unable to provide additional details about the current interest rates or clarify any additional terms or conditions of the current interest rate. 

https : //www.bmoharris.com/pdf/disclosures/BMO_Harris_Online_Savings_reg_dd.pdf

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 2023-01-20
Company: EQUIFAX, INC.
State: IN
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 a victim of identity Theft. My information has been exposed in the Equifax data breach. The following accounts, inquiries, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. I have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft, so please do so. I need you to remove the following fraudulent accounts and information off of my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. I am requesting that you immediately remove the disputed items off of my Credit File.

Company response to consumer: Closed with explanation