BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-01
Company: Alpine Credit, Inc
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hi! I received two letters from Alpine Credit Inc..t/n/f XXXX XXXX XXXX XXXX  recently. Both letters have my incorrect address number and both say I owe a different amount to XXXX XXXX XXXX. No address date is provided as when these two letters were written. 

I was in the hospital last year for an infection, and after checking with my insurance provider, XXXX XXXX, I do not have any outstanding claims.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: Paypal Holdings, Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I am in the process of sunsetting my XXXX XXXX bank account. This included designating a new preferred bank account with Paypal. However, my XXXX account was still used with the most recent payments to XXXX and XXXX, causing my XXXX checking account to overdraft XXXX and costing me overdraft fees ( {$25.00} x XXXX ). The 'preferred ' designation appears to have no bearing as to which account Paypal XXXX to charge. 

The Paypal email message center only has a finite amount of categorized customer service actions. I wrote them with my issue only to have an unrelated canned response sent back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
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: Investigation took more than 30 days

Complaint:
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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 2020-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
ftc violations attached and listed XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX  XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX   XXXX XXXXDispute XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXXDispute XXXX XXXXDispute XXXX   XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXXDispute Personal Information NamesAddressesDOBSSNPhone Numbersshow tooltip button 24 personal information entries View All Accounts Credit CardsMortgagesLoansshow tooltip button 30 accounts, 18 potentially negative View All Inquiries For AccountsBy Employersshow tooltip button 9 hard inquiries Not Disputable Online. Details Public Records Bankruptciesshow tooltip button No public records reported

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 2017-10-26
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I called wells Fargo today ( XX/XX/XXXX ) at XXXX because I over drafted 2 separate times even though I had over draft protection set up. I called and told her the situation and she informed me that my savings account had been turned into a checking account even though they did not communicate this with me. After i got upset she said she would see what she could do about the fees but in the end could only give me back one of the 2. They are always finding new ways to get my money and I 'm sick of it. If I 'm over drafting then i obviously do n't have {$35.00} extra to give 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 2022-04-01
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I sent a cease and desist letter to American Express on XX/XX/XXXX asking that ALL communication be via mail. And that they were to stop calling my cellphone and especially my work phone. 

On Friday XX/XX/XXXX at XXXX I received a call at work from American Express number ( XXXX ) XXXX. The cease and desist letter has not expired or anything, so I am unclear why after a year they feel they can reach out to me via my work telephone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-01
Company: EQUIFAX, INC.
State: NJ
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
There were XXXX $ in fraudulent XXXX XXXX charges that went through in California when I live in NC. The bank denied my fraud claim And blamed it on XXXX  while also repeatedly hanging up on me and being rude. The bank has stolen XXXX $ from me and is negligent in there business operations.

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 2017-10-26
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I HAVE CONTACTED THE ORIGINAL CREDIT AND THE COLLECTION AGENCY FOR PROOF OF SERVICE FOR THIS MEDICAL BILL. I WAS PROMISED TO HAVE IT RESEARCHED AND TO RECEIVE IT VIA MAIL. NO ONE CAN TELL ME WHAT THE BILL IS FOR, WHEN SERVICES WERE PROVIDED, AND WHO WAS THE PHYSICIAN. I AM ASSUMING THE RECORDS DO NOT EXIST.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: EQUIFAX, INC.
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 status incorrect

Complaint:
XXXX XXXX had charges on my account that were inaccurate. I'm not exactly sure of the dates but when I called XXXX XXXX the assured everything was corrected so at that time I closed my account. I did this on XX/XX/2018 I would like the credit companies to reflect this on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-08
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
please see identity theft report. i have consistently disputed fraudulent accounts that are result from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: EQUIFAX, INC.
State: NC
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: PNC Bank N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XXXX of XXXX I submitted a check to PNC Bank for a balance transfer of {$5000.00}. 
I thought the promotion was until XXXX of XXXX, however it ended in XXXX of XXXX. 
The promotion included a 3 % transfer fee which would have been a {$150.00} fee. 

PNC did not notify me that the check was no longer valid because the promotion ended. 
Instead, they transferred the {$5000.00} and charged me a cash advance fee of {$250.00}. 

I was surprised they went ahead and did that without notifying me, and wanted to know why the check was processed if the check/promotion was no longer eligible. I was told that was their policy. 

I was told the fees and interest charges could be " stopped '' if I paid the full balance on the card, but I would still have to pay the {$250.00} fee. Their policy did not allow for any other remedy. 

I advised I would file a complaint, and to close my account and to remove my information from their databases. I was a customer in good standing, excellent credit rating, and never paid a minimum balance and always paid on time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-08
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have no knowledge of this Dept supposedly opened on XXXX XXXX, 2016 in the amount of {$7700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
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: Their investigation did not fix an error on your report

Complaint:
Credit bureau has not provided the details that were verified with the creditor. I stated there were multiple inaccuracies with XXXX account and it was over 7 years old. the original deliquency date was somehow removed in XX/XX/XXXX which is now show XX/XX/XXXX with XXXX XXXX. Also, the amount of the debt is incorrect as I have discovered with the creditor should have been {$240.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX Balance : {$400.00} XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$720.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: Experian Information Solutions Inc.
State: IL
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, XXXX XXXX XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you guys have no permissible purpose without my consent pursuant to 15 USC 1681 : 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 2020-12-21
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize the following inquiries on my credit report : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX. I have attached all the required identity documents to this complaint including ; photo ID, social security card, proof of address. There is no reason for Experian to not complete this complaint.

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 2021-09-08
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: Account information incorrect

Complaint:
To whom it may concern, XXXX/XXXX  says i have a late fee on my account i have called up the company and they said there is and will be no late fee 's on my account. That would be removed from all credit agencies but never was.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/XXXX I became Aware of a problem pertaining a student loan that I havent ever applied for and I contacted the school which is XXXX on serval occasions was advised to by a supervisor to ask school to cancel the Promissory note which was never done I reported this to the FTC and I have been sending in documents with My signatures as well as talking with a supervisor name XXXX XXXX on XX/XX/XXXX recent documents that was asked of me and then was ask for the report that I made to the FTC and receive a notice of denial this isnt my loan Ive never been in California nor am I aware of this issue which has been a hardship on my life Im XXXX and have been since XXXX I had a XXXX a Veteran with XXXX XXXX I would really appreciate if this would be taken off of my credit in the name of Jesus. Please help me trying to do something for my family and this is truly in my way I believe now whoever took out this student loan the school knows the person XXXX is the school I believe financed through XXXX in the amounts of & XXXX, XXXX and {$2.00}, XXXX which is truly Affecting my credit in the name of Jesus please help me remove these items off of my credit

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 2017-10-07
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My American Express bill was due on XX/XX/XXXX. The total due was {$29.00}. Admittedly, I forgot to pay the bill on time and did not pay it until XX/XX/XXXX. The late fee for a {$29.00} charge is {$27.00}, which is almost a late fee of 100 %. I would say that this is usurious, but it 's not an interest rate. It is, however, unfair and abusive. 

Please investigate them and have the charge removed from my account. This ridiculous. I have had an account with American Express for 24 years and have never been late. The fee is completely disproportionate to the bill. Rather than set fees, perhaps they should charge a percentage, like mortgage companies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-20
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for. 

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

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 2017-10-26
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:
Credit bureau has not provided the details that were verified with the creditor. I stated there were multiple inaccuracies with XXXX account and it was over 7 years old. the original deliquency date was somehow removed in XX/XX/XXXX which is now show XX/XX/XXXXwith XXXX XXXX. Also, the amount of the debt is incorrect as I have discovered with the creditor should have been {$240.00}

Company response to consumer: Closed with non-monetary relief