BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-24
Company: WELLS FARGO & COMPANY
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was charged a $ XXXX monthly fee on my checking account. The first month it happened I called Wells Fargo Bank. They refused to reverse the fee.

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 2022-07-14
Company: Unlimited Progress Corp
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 In accordance with the Fair Debt Collection Practices Act.

Debt collectors are not allowed to communicate with me under the 15 USC 1692C

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 2023-08-07
Company: Blackhawk Network Holdings Inc.
State: TX
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:
i XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX PHONE XXXX I XXXX XXXX XXXX : XXXX had cancelled transaction of amount {$28.00} Date : XX/XX/2023. 


My Pre Paid Center will not release amount. It is now XX/XX/2023. 

You cant talk to any employee at this card company. 

Please help. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have contacted Midland Funding by letter several times to obtain debt verification. They continue to not send the information I have requested to verify & validate the debt they claim I owe. I have also contacted the company that Midland Funding states the credit card was initially from & they have no records of this information. Midland Funding continues to report information on my credit report that is false. Midland Funding also failed to follow the law by marking this account as disputed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX To whom it may concern, Ive been working to have accurate information displayed on my credit report, I have been doing so with the following credit reporting agencies XXXX, XXXX, and XXXX. The following collection agency PORTFOLIO RECOVERY located at XXXX XXXX XXXX XXXX XXXX has refused to provide legal verifications with signatures and in some cases have not met the legal burden of proof for authentication and is unwilling to produce evidence of legal validation. The accounts are listed below. 
Account XXXX Account XXXX Account XXXX Despite my numerous requests to have the legal requirements met which warrants these accounts removed, the collection agency continues to provide this information and refuse to withdraw this information from my report in violation of the below-mentioned statutes. Below are the sections of the FCRA they refuse to comply with, adding numerous subsequent legal violations in addition to the ones they have already violated which instigated the original disputes and subsequent letters to the collection agency in question. It is my right to have accurate information displayed and as of the day of this letter, all three consumer reporting agencies stand in violation. 

1.Void of legal verification Pursuant to FCRA sections, 609 ( a ) ( 1 ) ( A ) ,611 ( a ) ( 1 ) ( A ) 2.Providing a consumer contract with a signature which is a violation of 611 ( a ) ( 1 ) ( A ) 3.Negligent noncompliance which is a violation of 617 Please find the attached documents that substantiate my claims Regards XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Experian Information Solutions Inc.
State: IA
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:
Experian has shown a credit score for me between 790 and 820 for many years. In 2022 they reported as usual until XXXX. Then their " alert '' on their website ( which I normally do not visit ) said " No FICO score found. '' In XXXX my score was back to normal at XXXX. In XXXX again " No FICO score found. '' I was unaware of this because they did not notify me by any other means ( apart from the " alerts '' that I can't see unless I log in to my account on the Experian site ) and I never have a reason to go to the Experian website. Today, XX/XX/2022, my bank happened to make a credit enquiry and Experian told them that my credit score was XXXX and that I did not have enough information for a credit history. My bank advised me to contact Experian becuase of potential fraud. My trying to contact Experian was a futile waste of time. I tried phone but could not get past the recorded messages. I tried chat agents but they are not available. I tried writing to them and the very form they make available on their site warns that it will be some time before I get a response. In the mean time, their incorrect information has the potential to damage my relationships with financial institutions and is hindering my ability to conduct business with my own bank of 35 years.

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 2015-10-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery Associates just called me today on a 11 year old debit that was off my credit report and they did try by mail in 2012

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-04
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I received notice of the " termination of funds loading capabilities on your Serve account ''. I do n't understand why my account has been effectively closed as all functions have been removed. 

I currently have over {$1000.00} and am unable to link a checking account to withdraw the funds. I 've spoken with numerous customer service, technical support, and account protection representations, but none have been able to help me in linking a checking account to withdraw my funds. 

I would appreciate my Serve account being reinstated for both loading and withdrawals.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-16
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
The merchant refuses to assist with a billing dispute issue. Their internal system has an inquiry number of XXXX and a chat ID was issued today of XXXX. A {$260.00} charge is on my account for an item that was returned. The item was returned to the merchant and American Express refuses to issue a credit. The merchant has said that they do not have any record of the return, but the merchant is clearly wrong as the item was returned to them. American Express refuses to issue a credit and has spent the last 3 months going back and forth with me and sending me generic responses to all correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contacted XXXX, XXXX and Experian regarding the recommendation from a magistrate as well as an order of dismissal from a judge in XXXX XXXX, Florida. I requested deletion of a fraudulent account that was placed in my name. The court has ruled that XXXX was unable to provide a written contract between myself and the company to the court. Subsequently, the court dismissed the lawsuit attempting to recover funds from me regarding an account that was not my responsibility. 

All of the credit bureaus have refused to delete this tradeline off of my account even though I have provided them the attached court order. This is WRONG. They are claiming they " investigated '' the account on my report. There is nothing to investigate. The court dismissed the suit.

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 2021-04-07
Company: JPMORGAN CHASE & CO.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2021, I had initiated an online bank transfer from Chase Bank ( Savings account ) to XXXX Online Bank for the amount of {$15000.00}. My fianc and i had just created a joint savings account through XXXX bank and had linked both his bank ( XXXX XXXX XXXX ) and my bank ( Chase ) through HIS profile. 

After two business days, the {$15000.00} had been pulled out of the Chase savings account, but ended up being rejected by XXXX ( rejected transfer ). I got an email from XXXX saying so and to call Chase about this issue. I wanted to find out the reason for the issue, so after a call to XXXX, they said that even though we had a joint account, we still needed to have our own SEPARATE online profiles. Our account was temporarily suspended ( security purposes ) until we created the new profile. I created a new profile for myself and the suspension was lifted and I then was able to link my Chase Savings account successfully. However, the {$15000.00} that was pulled out of my Chase account initially was still never returned to me. The money was neither in XXXX or Chase. 

XXXX bank said that since they rejected the transfer, they had pushed the funds back to Chase ( sender ). 
When we called Chase, their claims department said they can not do anything and should contact XXXX ( recipient ). 

After going back and forth between calling these banks, we decided to put both banks on a conference call ( XX/XX/XXXX ). The account manager ( XXXX ) from XXXX bank asked Chase to use an ACH return code : XXXX to do a manual recall of the funds to the appropriate account, and after explaining that the transfer was rejected, Chase said that this situation does not fit ANY of the scenarios they had in the system. Chase apparently had never been through this situation so did not know how to respond, and they could NOT do a manual XXXX recall. After staying on the phone for over two hours and being transferred to numerous departments, Chase again said that XXXX ( being the recipient ) must do something on their end. The manager at XXXX said that she would escalate this situation to upper management. On XX/XX/XXXX, she called me and basically said the same thing I've been hearing for a month : " unfortunately, there is nothing on our end that we can do and you need to resolve this with Chase bank. Tell them to issue an XXXX recall. '' -I went to a Chase branch in person multiple times and told them about the problem i was having and they had me fill out an ACH claim form. A week later i had received a letter from XXXX stating that the situation was resolved and no further action was needed, even though nothing had been done. 

It has been over a month now and I would like to escalate this situation as far as I can in order to get my money back into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
There is unrecognized XXXX XXXX account with balance amount was shown in my credit reports while I never have that kind account and never use any of cell phone service with XXXX. I called XXXX and was advised that is not their account number, and the address registered from that account is not mine as well. I call credit reporting companies to dispute and remove this account from my credit 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 non-monetary relief
Consumer complaint received 2017-10-15
Company: United PanAm Financial Corp.
State: NJ
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 an account with XXXX XXXX XXXX that is closed. But is no reporting as open on my credit report. This account has been closed for over a year. I 've requested to have the account removed and is now reporting as open all of a sudden. And it says I 've paid 100 % percent of the balance as a charge off. This information is inaccurate and hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
The company that complaint is being filed against is Santandar Consumer USA which financed my XXXX XXXX XXXX. Due to challenged credit spouse prior bankruptcy this was the only company we could be approved for Car was purchased in XXXX XXXX I put down XXXX My first payment was due XX/XX/XXXX and for the entire year of XXXX XXXX payment was on time paid through XXXX XXXX XXXX XXXX  and was paid before the due date.Loan was also current in XXXX except for one missed payment in XX/XX/XXXX.I became unemployed XXXX XXXX due to a reduction in force my position was eliminated. I did contact Santandar by mail to let them know.I was still making payment every month one month my check was returned so the next month I made 2 payment. My unemployment ended XX/XX/XXXX, XXXXOnce again I was emailing faxing and mailing letters to Santandar but never received a response. Have not been receiving statements since last year. My last 2 payments were made on XX/XX/XXXX by check and XXXX XXXX payment. I did confirm with my bank that check did clear my account. On XX/XX/XXXX my car was repossessed at a shopping mall. Was never sent any correspondence When I finally tracked down the company where my car was located I was told they were closed for the day at XXXX I was also told I needed a personal property release form faxed to the recovery company to pick up my vehicle .When I contacted the recovery company on Fri XX/XX/XXXX I was told I needed to set up an appointment and that the first available appointment was not until Monday because they dont take same day appointment. When I spoke to Santandar on Thur and asked why nobody had contacted me they said I was on a cease and desist list and I requested not to ne contacted? Well that also means they cant send me Any letters. I told them I made no such request only for them not to contact my Brother in law. They quickly apologized and took me off the cease and assist. I recently disputed a item that Santandar reported to XXXX XXXX that my account was not current. I just received the update when my 2 payment were posted and my account status was updated to current When I went to retrieve my car and belongings on Mon XX/XX/XXXX I was told that Santandar would not release my vehicle. Was told by a supervisor that my account balance was charged off on XX/XX/XXXX and the only way to get my vehicle back was that I had to pay the entire, loan balance off or get it refinanced?? And that Santandar does not refinance there own loand

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 received a letter from XXXX XXXX telling me that this item that I dispute ( bankruptcy ) it was removed from the file with XXXX however, it has not been removed from XXXX XXXX, or any of the credit bruen

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 2023-11-02
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting 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 appreciate your time to REMOVED some of the inquiries in my file that resulted from an alleged identity theft but I have ITEMS left that need to be removed. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. And this is my 3rd complaint that I am a victim of identity theft and I submit to dispute these items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of this items in my credit file that resulted from an alleged identity theft. Below were the items that needed to be removed : EXPERIAN : 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

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 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I am making this complaint because I am a victim of identity theft according to the FCRA and have not given written permission for these accounts to be furnished on my consumer report, furthermore, I have reached out to these companies to verify that the debt is mine and they can not. I am aware that you must block the reporting of any information that is inaccurate. Please remove these accounts immediately within the 4 day period by law or further actions will be taken.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-24
Company: EQUIFAX, 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. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality USC 1681. 
XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX DIFFERENT SOCIAL SECURITY # SSN : XXXX 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1618c. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
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:
WILLFULLY KNOWINGLY FURNISHING AND REPORTING OLD OUT OF DATE SCORES TO CAUSE CONSUMER HIGHER " MORTGAGE '' INTEREST RATE ON NEW LOAN ; 1 ) THE FAILURE TO UPDATE MY XXXX MORTGAGE SCORE ; SPECIFICALLY SCORES XXXX & XXXX ; XXXX ) FAILURE TO " ACT '' CONTRIBUTES TO ECONOMIC NEGLIGENCE AND DAMAGES. 

NOTICE : TWO SPECIFIC AGENCIES [ XXXX AND EXPERIAN ] REPORTING OLD OUTDATED XXXX MORTGAGE SCORES UNDER XXXX & XXXX ; ARE PUT ON NOTICE THAT THEIR FAILURE TO " ACT '' TIMELY AFTER MULTIPLE REQUEST WILL CAUSE THE CONSUMER TO PAY A HIGHER MORTGAGE LOAN INTEREST RATE. IN COMPARISON XXXX HAS FOLLOWED THE FCRA ; THEY ARE THE EXAMPLE AND THEY HAVE A SCORE [ [ [ XXXX ] ] ] POINTS HIGHER THAN XXXX 'S MORTGAGE SCORE AND XXXX IS [ [ [ XXXX ] ] ] POINTS LOWER THAN XXXX WHICH HAS BEEN THE LEADER IN UP TO DATING MY XXXX. THE DOCUMENTED FAILURE TO ACT IN A TIMELY MANNER AFTER MULTIPLE REQUEST IS NEGLIGIBLE UNDER FEDERAL DEPORT LENDING INS INCLUDING BUT NOT LIMITED TO ( TILA ), 15 USC 1601 ET SEQ., AND CONSUMER CREDIT PROTECTION ACT 9PUB.L.90-321 ; REGULATION Z 12 CFR 226.

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