BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX @ XXXX XXXX. Received a robo-call about possible litigation that was attached to my phone number, and was connected to an agent who identified himself as XXXX XXXX from The XXXX XXXX XXXX. He said that I had an old bank account with XXXX that was opened XX/XX/XXXX and that had been closed for overdraft. I informed him that this couldn't be correct, as I had not had an account with XXXX in XXXX, but I had my identity stolen around that time. I was told that unless I made payment arrangements by XXXX that day, that the case would be going into escalation which would lead to court and being reported to XXXX. I hung up and immediately called XXXX XXXX, and they have been able to confirm for me that the account in question existed, but that it was opened in XX/XX/XXXX, charged off in XX/XX/XXXX, and sold in XX/XX/XXXX. When I called back to The XXXX XXXX XXXX, I spoke with a " manager '' names XXXX XXXX, who informed me that this account wouldn't be considered an identity theft issue due to the length that it was maintained, and again I was threatened that if I did not arrange a payment plan before the XXXX deadline, that this would be going to court and be submitted the XXXX I felt forced to make a payment arrangement or be sued, and I made a {$1.00} retainer on a debit card. They agreed to wait until XX/XX/XXXX to take a {$200.00} payment off the same card, and emailed me a litigation notice. After that, I immediately contacted a lawyer who advised me that it was more than likely a scam, and so to cancel the card. They have now began calling me again, and although I have requested validation of the debt multiple times, they have neglected to provide me with anything, saying that I have been receiving notices about this for years at an old address. However, they claimed to have done a background check on me in order to get current information, but couldn't give me any current information other than my maiden name and phone number. I was contacted on I was contacted on XX/XX/XXXX by XXXX XXXX, at which time he threatened legal action against me. Approximately 2 days later, I received another litigation notice in the mail, dated XX/XX/XXXX. Then on XX/XX/XXXX, I was contacted by a case manager named XXXX about the issue, to which I informed him that I had sent a letter in the mail asking to not be contacted via phone and that i was requesting validation of the debt. I believe this is a scam, and if it is a legitimate debt, that they are trying to collect a XXXX debt.

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 2020-05-10
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
My credit report has incorrect information about my XXXX card account. It states the card is closed and charged off. I paid off the card and had an agreement that if I did, they would remove all negative reporting along with the entire account off of my credit report. The account needs to be completely removed as soon as possible.

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 2021-07-19
Company: E*TRADE BANK
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX and I opened a bank account with ETrade around XXXX of last year when I turned XXXX. I did this because my mom said she wanted me to start investing early. I am in school to become an animator and illustrator and do a lot of social media content management and graphic work for companies. I deposited my 2 payroll paychecks after I opened my account with E Trade, even after a two week hold on my account E Trade refused to release my funds and then proceeded to close my account with no reason why, no letter, and no call back when I called them to ask why they are doing this. I asked them where is the written policy for how they are handling me. They literally have never called back or sent my funds to me. This is Theft and XXXX. I am a college kid and need all the money I make. The total amount was XXXX ( It was my two paychecks..each XXXX ) I feel that it is unfair for them to hold my money for no reason for this long. My mom would have helped me invest it to make more money and now I have missed out on that opportunity. I am also seeking legal representation to file a lawsuit against E Trade for what they have illegally done to me. I would have made a good amount of money by now from Investing if they had not been dismissive, dishonest and deceptive. This behavior is Theft and I am not going to let what they did go without speaking up and fighting back. Thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Experian Information Solutions Inc.
State: MA
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 : # XXXX XXXX, XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX XXXX A 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 602 A. 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 2020-10-12
Company: EQUIFAX, INC.
State: VA
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:
XX/XX/2020 ( Complaint Date ) This Complaint does not pertain to INCORRECT information on my EQUIFAX Credit Report, but it does pertain to the Equifax Credit Reporting Agency NOT showing information that should be shown on my credit report. I have 2 current addresses that should be showing on my Equifax Credit Reports : 1 ) a Physical Address and 2 ) a P. O. Box Address. ONLY THE P.O. BOX ADDRESS IS SHOWING ON MY EQUIFAX CREDIT REPORT. Due to Equifax Website Technicalities, I am unable to enter my current Physical Address ( which has a different zip code ). How can this change to include both my P. O. Box Address and my Physical Address be reflected on my Equifax Credit Report? I've made attempts, in the past, on Equifax 's Website to enter my current Physical Address, but the website doesn't make provisions for me to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: JPMORGAN CHASE & CO.
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: Account status incorrect

Complaint:
My credit report has incorrect information about my JPMC card account. It states the card is closed and charged off. I paid off the card and had an agreement that if I did, they would remove all negative reporting along with the entire account off of my credit report. The account needs to be completely removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper DBA Nationstar Mortgage has placed my account in arrears for the XXXX mortgage payment that was paid to my previous mortgage company before the transfer date. 
My mortgage was transferred to Mr. Cooper on XX/XX/2019. Subsequently, I received a letter on XX/XX/2019 from my current mortgage company at the time ( XXXX ) and from Mr. Cooper stating that I shall make my XXXX mortgage payment to XXXX if paying before the XX/XX/XXXX due date. I paid my XXXX mortgage payment and it was received by XXXX on XX/XX/2019. Mr. Cooper did not own my mortgage loan yet, but they have put me in arrears for my XXXX payment that was paid to XXXX as instructed. Now that I have made my XXXX mortgage payment to Mr. Cooper, they have applied it to XXXX and now I am arrears for XXXX. I contacted Mr. Cooper via phone on XX/XX/2019 and emailed documents that they requested which included : my bank statement showing that payment was debited, a letter from my bank showing they paid XXXX electronically through their billpay department, my XXXX   statement showing payment was received by XXXX on XX/XX/XXXX, and the transfer letter showing I was instructed to make my XXXX payment to XXXX before XX/XX/XXXX. I followed up with Mr. Cooper via phone and email on XXXX XXXX and emailed them my next month 's bank statement as requested, showing that no payments were credited back to me. I followed up again on XX/XX/2019 via email, XXXX also reached out to them at the same time, and I filed a complaint with the XXXX  and all correspondence has gone ignored. To date my account has still not been fixed and no one from Mr. Cooper has answered any of my emails, calls from XXXX, or replied to my XXXX complaint. I am extremely concerned that Mr. Cooper will report their own mistake to the credit bureaus which will leave derogatory marks on our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2019, I went to XXXX XXXX to reload my American Express Serve Green card. The transaction was denied, but {$500.00} was taken from my debit card. The next day I called the payment services of XXXX XXXX at XXXX and was told to call back the next day when the transaction posted to their database. The next day, the transaction had posted, and I was short {$500.00} on my debit card, and it was not in my Amex Serve account. I was called by a XXXX representative who told me to go to the store and that the store would issue a refund. I received my {$500.00}. But, Serve has had my account locked since XX/XX/2019. I have not been able to take funds off of my account, and they state that the account is under investigation. I have called their customer service multiple times and have not been able to get my account unlocked. They've stated it will be unlocked in 24-48 hours, but it has been almost 30 days. Finally, one person from Serve told me that I should get XXXX XXXX to write a letter stating the problem was resolved and mail it to the mailing address on Serve 's website. This was last week on XX/XX/XXXX, and it should've been mailed on the XXXX according to the District Manager of XXXX XXXX that I talked to. My Serve account is still locked with no way for me to access any of my funds that were on there previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: Remitly, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
This is the second time I've had a MAJOR issue with this company. I was checking my bank account and I saw that Remitly Inc had made 2 unauthorized transfers under my name. The first one was on XX/XX/2021 for {$200.00} and the next one was on XX/XX/2021 for {$200.00}. These " transfers '' don't show up under my Remitly account either, because I never made this request through Remitly. The confusing thing is, the only account I had previously linked to Remitly was my XXXX XXXX account but these charges were made to my XXXX  XXXX XXXX account. I contacted customer support on XX/XX/2021 and they said they " escalated '' this incident but nothing was resolved and the charges are still there. I've already contacted XXXX  XXXX XXXX but that process is still pending and I would like an explanation from Remitly what has happened and obviously a refund for the unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MN
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:
Dear Portfolio Recovery Associate, I am writing to dispute the following information that appears on my [ XX/XX/XXXXor XX/XX/XXXXor XX/XX/XXXX] consumer report : Dispute-1 : Account Number or other information to identify account : XXXX, Source of dispute information : Fico 3b Report Type of disputed information : Fraudulent Account, Identity Theft Dates associated with item being disputed : XX/XX/2019, Explanation of item being disputed : o I am the victim of identity theft and I do not recognize one or more of the accounts on my report. I have notified Portfolio Recovery Associates on three separate occasions. As well as providing them with a police report and they have refused to remove the item. They continue to report false, balances, Dates, and other information to retaliate for my disputes. 
o This is the second time I have dealt with Portfolio Recovery Associates. The had an item under my name that was not mine. The owner of the company wrote them a letter explaining I do not owe a debt. They would not remove the debt, even crank calling me saying they were going to Kill my mother. In retaliation for filing complaints against them. They called me 15 times in one day. It was only when I started the process to sue them in civil court. That they stopped but falsely reporting the debt. Now they are trying to do it.

Resolution : Remove Debt From all three Credit Reports. If this dept is not remove I am going to sue for the harassment, Stress and financial damages directly cause by the action of Portfolio Recovery and its associates. I will seek punitive damages for each year this item was reported. Along with the loss of income with increases due to this false report. 


Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a credit card with HSBC Bank a long time ago. As such, I kept receiving promotional emails from them from time to time. One of the emails stated there was a bonus of {$470.00} for their HSBC Premier checking account. I was intrigued since I had been looking at banking with a global bank for a while. The offer stated I had to deposit a minimum of {$5000.00} for 3 consecutive months, and the bonus would be deposited after. I started the application process which took them 3 weeks, believe it or not, in this day an age. As soon as my account was opened, I went to my job 's HR and made the necessary changes to have around $ 6-7,000 per month deposited directly to my account. This started in late XXXX. So the bank has seen my deposits in late XXXX, XXXX, XXXX, XXXX, XXXX, and we're in XXXX. The bank keeps giving me runaround and nobody knows anything. Customer service number is an overseas call center, and they state they don't handle promotions. Direct messaging within the app states the same. So basically this bank engages in bait and switch tactics. At least I'm glad I realized this early how terrible they are. However, what they are doing is ilegal and must be stopped. I want the Consumer Financial Protection Bureau to publish this so others can be warned.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: FIRSTBANK PUERTO RICO
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Since XXXX, XXXX XXXXXXXX XXXX information for a car loan has not been reported. The vehicle was delivered voluntarily and the Bank sold. There was a balance and I have been paying and it was not reported to the XXXX agency. In XX/XX/XXXX, I decided to settle the balance of {$2600.00} and the account continues reporting a balance of {$7500.00}. This situation has affected my credit history and I have not been able to obtain loans.

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 2021-07-19
Company: Experian Information Solutions Inc.
State: NV
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:
There are some bad information and or accounts listed on my credit reports that do not belong as I didn't authorize the listed inquiries, nor are the accounts listed are my accounts. There is also an address that did not belong to me as well. Please 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 non-monetary relief
Consumer complaint received 2020-05-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After receiving a debt collection letter from portfolio recovery and associates. I sent a validation letter to the company. As a result the company could not validate this debt as required under federal law. And the account was removed by XXXX. 

Currently this account has been reinsurted under a new name XXXX XXXX XXXX XXXX. Even though account was sold to by XXXX  XXXX XXXX   XXXX  to portfolio recovery and associates and I'm around XXXX of 2019. 
This is a violation of the fair debt collection practices act section 809b Noticed ; account name is listed as XXXX XXXX XXXX XXXX  but address name and number is portfolio recovery and associates. XXXX XXXX XXXX XXXX Virginia XXXX. 
This information is misleading, fraudulent and violation of federal law. 

This account was reinserted without notice of reinstatement 5 business prior as required by federal law. A violation of FCRA rules 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Debt Co LLC
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:
Explained to XXXX through several disputes online and by mail, last sent XX/XX/2022 that many derogatory accounts such as chare-offs can not be reported if the Original Creditor charged off the debt but I did not receive a 1099c to recoup any finances. Thus indicating their removal from my profile. Also indicated that neither XXXX nor XXXX XXXX XXXX, Debt Co LLC, and XXXX XXXX which all identify as charge-off accounts. XXXX was also notified about the fraudulent use of my name in various ways, addresses that I have never lived, and other fraudulent use of my profile in which they furnished without my consent and verified without my consent. XXXX has fraudulently assumed the role in my trust and personal identity against my will and acknowledgement and still continues to furnish such derogatory information against my written, oral, and otherwise requests to delete such information which has been a hindrance on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
We signed up for Credit Card in XXXX. There were rewards points available. 
We never received the reward points. We've been in touch 3-4 times since XXXX. They never responded until this 5th attempt. They've denied the reward points and denied returning our annual fee as they stated we needed to cancel within 30 days. However within that 30 days we never got a response on the points. They are " unable to provide any help '' and state they will call us back later. So this means we have to wait longer and out the money and points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XXXX I filed a loan modification that was approved. I was put on a trial payment arrangement with a signed agreement. I made all trial payments and my modification was fully approved. The lender has since reported all trial payment months are late, no payments on my credit. I contacted the FHA and my attorney and they confirmed that it has to be reported at " paid as agreed '' because I made the payment it was just a different payment based on our NEW agreement. Now 2 years later and in a better position I want to refinance and can't because they are reporting late payments ILLEGALLY!!! I have disputed it based on my contract and 2 bureaus have updated but transunion wont claiming the original creditor is telling them not to which is ILLEGAL. It has to be reported accurately which is that I paid an agreed upon amount.

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