BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-06
Company: BAM Management US Holdings Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I was scammed by XXXX and XXXX, on XX/XX/202. 
Money was transferred from my XXXX wallet in the total amount of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: DISCOVER BANK
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I signed up for a discover card in XX/XX/XXXX and was signed up for a payment protection plan through my discover card that I was n't aware of or gave permission to sign up for. I did not realize I was signed up for this until XX/XX/XXXX when I was checking my bills online. The fee for this is charged at the same time as interest rate so it looks like it is part of the interest charges each month. I am very aware that I did n't notice this charge for 7 years up to now, but now that I have found out and done the research on what they 've been charging me, I am very frustrated to sat the least. 

XX/XX/XXXX : I called discover to ask them about these charges and to get proof that I signed up for this program initially. They can not provide me with this information which is even more frustrating. They have decided to only refund 6 months of back charges for this program and this is n't acceptable to me. They need to dispute and refund the full amount. I never signed up for this program, I never gave permission for them to charge me for this, I have also never used said program. They signed me up for this program without my knowledge or consent and fraudulently billed me until I said something. Now they take their gains and refund only 6 months after taking and taking for 6 years. 

This is 100 % unacceptable, they need to provide me proof that I originally signed up for this program. They told me I said yes in a phone call in XX/XX/XXXX? What kind of XXXX is this ... 
I signed up for the credit card over the internet and only the credit card, not any accompanying programs they use to get money from people. I need someone to investigate this matter fully, I have 7 years of credit card statements showing charges from $ 10-75 each charge!!!?? This is honestly a scam and ridiculous and should n't be allowed. 

I repeat I have never signed up or used any program like this from discover credit card company and dispute all of the charges associated with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: JPMORGAN CHASE & CO.
State: AR
Product: Credit reporting, credit repair services, 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 purchased a washer and dryer set from XXXX XXXX on XX/XX/XXXX. The order number was XXXX. I received the washer and dryer on XX/XX/XXXX. They did not work properly. The washer took one and one half hours to wash a load. The dryer took the same to dry a load. I called on XX/XX/XXXX and they sent someone to fix the washer and dryer on XX/XX/XXXX. On XX/XX/XXXX after he left I realized they were not fixed. I called them and said come and pick these up they do not work properly. They said the earliest time they could pick up the washer and dryer would be XX/XX/XXXX. They called later and said I would need to pay {$70.00} for the pickup. I went to the store on XX/XX/XXXXto pay the {$70.00} and make sure they were coming on 08/01/2017. The manager I talked to was XXXX XXXX. He said they did not charge for that type of pickup. He said the washer and dryer was still scheduled to be picked up on XX/XX/XXXX. No one came on XX/XX/XXXX to pick up the washer and dryer. 
XXXX XXXX refuses to follow their own written company warranty. This warranty is online in plain language. I will attach a copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Experian Information Solutions Inc.
State: TX
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: Was not notified of investigation status or results

Complaint:
I wrote the company XX/XX/2022 stating the XXXX XXXX account is incorrect I was never late on that account. I asked them if they cant verify the late payment remove 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 2019-07-07
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/XXXX, I sent Equifax a copy of my passport and social security card with a letter asking them to update my report and remove any misspellings of my name and incorrect addresses. On XX/XX/XXXX I realized I didn't include all required documentation, so I resent the information again this time including my utility bill to verify my address via certified mail. They mailed me a response stating what I knew about the initial mailing request 1st attempt, I needed to provide verification of my address. I already had a new letter/docs on the way. I opened a dispute on Equifax website XX/XX/XXXX which did get resolved but I had to find out via XXXX XXXX online. Equifax dispute website would never allow me to check it after verifying my information. Equifax asks if you want results delivered online, I answered yes on both disputes I'm stating in this complaint. I then opened another dispute on XX/XX/XXXX and Equifax sent me emails alerting me that i can check the status by providing my personal information. Everytime since the first dispute opened on XX/XX/XXXX I can not access the system. The website asks you to call into XXXX and a CSR can help you access it. I called 2 times and spoke with 2 different Csrs and 2 different supervisors. For them all to tell me the same exact run around dead end storyline. They asked me the same identity questions that their website asks and info from my credit report to verify. I'm literally verifying correct info based from the free credit report they sent me via mail on XX/XX/XXXX. And they verified/confirmed my identity documents that I mailed on XX/XX/XXXX as recieved. And still tells me they can not access my credit file. So I am forced to spend money utilizing the USPS certified system anytime I need to communicate errors or ask questions about my report. This is not ethical and pretty discriminatory to single me out for whatever reason as I can not access my files as any other consumer would have this luxury or amenity. My issue is not about having to recieve a hard copy of the resolutions of my disputes within 30 days. But the fact that I have to spend money mailing the disputes and can not know the status of them when they're the ones emailing me letting me know I can check online as they're updating or completing them. And then their site asks me to call in and rectify the issue and I'm given a run around as if I'm not the person that I said I am and shown to be. When I've literally provided all factual resources they've requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: EQUIFAX, INC.
State: TX
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 them to delete the inquires that I did not do but listed on my credit report. They said that they don't dispute inquires. This is not fair because I am a victim of identity theft and the credit bureau have to report this that I have done not fraud. Please delete the information that us on the attached identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery Associates had brought me to small claims court XX/XX/2019 for an alleged debt with XXXX XXXX Bank for the amount of {$2700.00} plus court costs. 

There was a Judgement of Dismissal rendered on XX/XX/2019 in regards to the debt they were trying to collect from me. 

The judgement is very clear stating I am not responsible to pay any part of this debt and that Portfolio does not have any right to appeal this judgement. 

Since that day, Portfolio has continued to tell all XXXX credit bureaus that the debt is valid. 
Because of this, the 3 credit bureaus continue to keep this debt on my credit report even after the fact that I have provided the court documents showing I am not responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am in a class action suit against Wells Fargo for my complaint related to an unauthorized account. On XXXX/XXXX/XXXX Wells Fargo made an unauthorized direct deposit of {$85.00} to my bank account that was not earmarked and was unspecified and with no prior notification to try to offset the final settlement amount by forcing upon me {$85.00} to satisfy any financial harm without my consent or knowledge. 
This unspecified direct deposit noted only as " Customer Complaint '' was dated ( XXXX XXXX which my local Wells Fargo knew nothing about nor could tell me where it came from set off alarm bells as my bank account had previously been twice compromised after the XXXX breach. 
I received a letter in the mail onXXXX with no check as was mentioned in this letter it specified that they made an unauthorized direct deposit to my bank account. Wells Fargo could have sent a check in the mail along with this letter of explanation of what the {$85.00} was for thereby leaving me a choice to deposit the amount or NOT! Wells Fargo did not have permission to access my bank account make an unauthorized direct deposit. They breached my account. This is a deceptive effort on their part to deny consumers the ability to have a settlement in full! I will have to send a copy of notification and copy of bank deposit via 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 2020-04-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I still have accounts due to my identity theft case appearing on 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 2021-06-10
Company: Santander Consumer USA Holdings 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:
I have filed a dispute in regards to the incorrect items on my credit report it has been well over the 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: Experian Information Solutions Inc.
State: PA
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:
So, long story short I had bought a large cage for my small animals that costed around {$300.00} from XXXX, since I knew I had other bills coming out, I applied for a loan through XXXX  that would bill me monthly until it was paid off. Once I had realized I could pay the rest of it off in full, I did. About 2 weeks after it was paid off, I had noticed my Fico credit score on Experian drop by almost 50 points from very good to good! I am so upset over this as I need a new car and a great credit score and Ive been working so hard to keep it that way. I have proof it was paid off EARLIER than it was supposed to be, and yet it STILL went against my credit as an unpaid loan. Ive called the customer support and they have been of no help and also filed a dispute through Experian, which somehow didnt end up going in my favor.. I want my credit score brought back to its original state asap, and I want Experian to get better. I have no late bills and I dont deserve my credit to be tarnished like this when I paid a large bill off EARLY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-07
Company: CCS Financial Services, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a debt validation letter on XX/XX/2019 to Credit Collection Services to validate a debt they have on my credit report. Instead of validating the sedentary they sent a health insurance claim form. This is not my debt and they have been able to provide any documentation with my signature.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account with the credit bureau 's because it does not belong to me, yet, it still remains on my credit. Upon investigation of my own, I have found that they are not licensed to collect debt in the state of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
State: NY
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 ; Account number XXXX, has violated my rights. 

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was promised that after paying my debt, that this collection would be taken off my credit report and it hasnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: CL Holdings LLC
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: Their investigation did not fix an error on your report

Complaint:
I have disputed an inaccurate account from XXXX XXXX XXXX XXXX for {$1300.00} ( 3 times ) since XX/XX/XXXX.  This is an inaccurate account. I do not owe this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-04
Company: PORTFOLIO RECOVERY ASSOCIATES 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 status incorrect

Complaint:
To whom it may concern : My name is XXXX XXXX, and I am a recently former consumer of Portfolio Recovery Associates. I am writing in regards to my now closed, Paid in Full, purchased by Portfolio Recovery Associates from XXXX XXXX.. 

Upon speaking with several supervisors I have received conflicting information from several different representatives, and due to this and the extenuating circumstances that caused the initial delinquency -- and the fact that I resolved this account in full and amicably it is still reporting as an open collection with a balance due of XXXX I have received my Paid in Full letter as of XXXX/XXXX/XXXX. However, due to the conflicting information from Portfolio Recovery supervisors and staff, and given the treatment from the staff at your company in regards to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06
Company: WELLS FARGO & COMPANY
State: SC
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
According to my credit reports ( XXXX, XXXX, XXXX ) it states that Wells Fargo reported an account in charged off status back in XXXX. I am aware that according to 7 CFR 1956.54 that a chargeoff is the writing off of a debt and the termination of collection activity. If the company indeed charged off the debt, I was supposed to be issued a 1099-C by XX/XX/XXXX of the following year which should have been XX/XX/XXXX of XXXX. Wells Fargo did not send the 1099C and continues to pursue collection activity on an account that they have already written off. Either the company is committing tax fraud or furnishing false and misleading information on my consumer reports. In a letter Dated XX/XX/XXXX from their education financial services department attached to this complaint you will see that the bottom clearly stated it is an attempt to collect a debt and that is highlighted in yellow. I am requesting a copy of the 1099-C on an account which they have changed the account number at least 2 times. All the proof of such is attached to this complaint. Im also requesting that if the account is indeed charged off, Wells Fargo provides proof that they sent out the 1099C if they claim that they indeed did. By proof I mean any certified mail bearing my wet signature as well as a tracking number for the documentation. I am unaware of the correct account number at this point but the 3 different ones that have used in connection with my account are as follows ( XXXX ; XXXX XXXX ; XXXX ). If the account is not being reported accurately, it needs to be removed from my credit profiles and Wells Fargo systems as well or I will have to report such activity to the IRS. I also want to know which account number was listed on the 1099C because it says the IRS encourages you to designate an account number for all Forms 1099-C that you file

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 2017-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a home equity loan with Bank of America and have been treating unfairly. I have tried to resolve the issue with them, but the person I was assigned to investigate, XXXX XXXX, XXXX XXXX, XXXX XXXX, refuses to return my call ; I was informed it is the correct direct phone number. 

Bank of America XXXX XXXX XXXX would send me letters stating I did not have Flood Insurance and purchase the flood insurance from my home equity loan. I would fax proof of insurance, but they have never credit back my home equity loan. I had the representative from my XXXX XXXX XXXX on a conference call with me, the agent from Bank of America became unprofessional ( talking as if she did n't know what to do ). 

I received a letter, stating my account was " charged off '' ; I have been calling XXXX XXXX to explain what this means, but she never returned my calls, which resulted me to calling the home equity customer service and was told it means the account is paid off. Now I am being reported to the Credit Bureau for non-payment. 

I found my last notes, whom was with XXXX, BOA, stating charge off means we owe XXXX and will be able to make payments without interest until balance is paid and I paid XXXX by phone. However, I was not able to make any future payments because XXXX and XXXX stated my account showed it was paid out. 

I have been informed that my credit report shows that I have not paid Bank of America over a year. I also received a threat stating that I will never be able to transfer this loan. 

I just want my home equity loan from under Bank of America and placed with my mortgage company. I will be very, very happy and a satisfied customer, because my credit will be perfect again.

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 2022-03-11
Company: Experian Information Solutions Inc.
State: GA
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: Was not notified of investigation status or results

Complaint:
I mailed a dispute letter to Experian on XX/XX/2022 and to this day I have not received a reply or my investigation results or any acknowledgment that an investigation has begun not even on my credit reports. The consumer reporting agencies are not complying with their own policies in a timely manner. I demand the accounts in question be removed from my consumer report immediately.

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