BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-27
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Wells Fargo account on XX/XX/20 under a promotion offer of {$400.00} to open an Everyday Checking Account. I was required to make {$4000.00} or more in qualified direct deposits within 90 days. I reached {$4000.00} in qualifying direct deposits on XX/XX/20. Wells Fargo closed my account on XX/XX/20 ( 90 days ) and didn't pay out the bonus they owed me. I called them on XX/XX/20 once I realized they closed my account and didn't pay me the bonus. They said I met all the requirements to be paid for the bonus. However, they said they closed my account because there wasn't enough qualifying activity. They never told me about this when signing up for my account. Either way, I still met the requirements to be paid the checking account sign-up bonus.

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 2019-05-22
Company: Experian Information Solutions Inc.
State: TN
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:
It was on XX/XX/2018 and the charge me {$130.00} from XXXX XXXX XXXX company free phone free tablet it is a old account plus I have a XXXX I didn't know what i was doing back then I dont work at the moment can you please take that off my credit please and thank u I have too much hard credit on file at the moment I sent you something about a little bit more on my credit report.. please help me out thank u.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Our house was destroyed during Hurricane Irma. We are in a FEMA declared disaster area. We have 35 % of our home remaining inside! We were given forbearance from Chase thru XX/XX/XXXX since they denied us a modification. Chase Mtg has reported that we are behind more than 60 days on our mortgage. This is the 2nd and third time they have done this. The first time a month ago was corrected, now they have reported to credit agencies on Friday XX/XX/XXXX and then again on Monday, XX/XX/XXXX. 

We have called Chase Executive offices, we have asked them to please stop and correct, this has not been done. We have asked for a proper letter of apology and they issued one that does not state properly their inaccurate reporting. This is the 3rd time in 40 days they have dropped our credit rating and score more than 100 points. They are destroying our credit with other creditors because of this. This is unethical, unjust, unwarranted, and purely brutal on their part. They do not have a care, nor concern for their customers. To happen once, is one thing, but three times in 40 days!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX offered me a " bundle and save '' deal if I transferred my phone landline service from XXXX to XXXX. 

When XXXX turned out to be significantly more expensive than promised, I cancelled my XXXX service, and returned to XXXX. 

I paid XXXX in full when I cancelled the service. 

I recently found out that XXXX put a black mark against my credit because I applied for a mortgage. XXXX claims I owe {$53.00} for a " final bill ''. XXXX claims my account number is XXXX. This is impossible. I had already started service with XXXX, and cancelled my XXXX service. XXXX refused to give me any details of the alleged debt, and never even billed me for this " final bill ''. 

I spent many hours on the phone with XXXX, and also contacted them by email. The email address they gave me ( they refused to discuss the situation on the telephone ) was incorrect -- my email was undeliverable. 

I want XXXX to remove the black mark on my credit report. I also want XXXX to provide proof that I incurred this alleged 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 2018-12-22
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Collections agency Diversified Consultants , Inc. continues to pursue me for a debt of {$100.00}, including collections fees, on behalf of creditor XXXX XXXX for cellular telephone service. 

I have repeatedly notified Diversified Consultants, Inc. and XXXX XXXX that this debt is not valid. 

No cellular telephone service was provided and no mobile/cellular device was connected to the cellular exchange provisioned by XXXX XXXX during the period for which XXXX is attempting to bill/collect. 

Furthermore, I was not in any type of long term contract with XXXX XXXX that would have obligated me to pay even if no service was provided or to pay an early termination fee. 

The attached bill from XXXX XXXX clearly demonstrates that no service was provided. 

In 2015, I lost my cellular telephone and reported this immediately to XXXX XXXX. No other party ever used the lost telephone. 

XXXX XXXX refused to provide me with another cellular telephone unless I paid an an exorbitant amount up front and then proceeded lock me out of my cellular telephone account with an erroneous " fraud alert. '' When I complained to XXXX XXXX Executive Relations about this matter, XXXX XXXX proceeded to " suspend '' my account on XX/XX/2015 and then reactivate my account on XX/XX/2015. 

XXXX XXXX is attempting to collect on a bill for a service that was never provided. My repeated complaints to XXXX XXXX Executive Relations have not resulted in XXXX XXXX making any good faith effort to resolve this matter. 

Negative comments regarding this debt have been made to consumer reporting agencies. These negative comments appear on my reports with XXXX, XXXX, XXXX and the XXXX XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
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:
In XXXX, XXXX, and again at the beginning of XXXX I submitted paperwork directly to the bureau not only from the court, but also from XXXX XXXX, and XXXX  .... all showing that the bankruptcy listed on my credit report should be removed. Each time submitted i have received a " canned '' response from the bureau without one once of proof of this public record being filed by me, with any signature, with any paperwork, with any address ... no proof. This has been requested on multiple occasions although i have provided proof myself that the bk are not mine. Ive wrote, faxed, and called with no error being fixed. 
I know the response is canned and standard that i receive due to the bureaus saying it was verified to THEIR company citing the exact places that ive sent them directly. Its insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: HYUNDAI CAPITAL AMERICA
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
We purchased a NEW XXXX XXXX in XX/XX/2021 and took out a loan with Kia Finance and we paid every month on time and actually paid in advance and in XX/XX/2021 and we only have a couple hundred dollars for payoff the vehicle which we sent a check on XX/XX/2021 for final payoff payment of {$200.00}. However the KIA Automotive Billing Department keeps sending us correspondence saying " your payment of {$200.00} IS PAST DUE '' THAT IS VIRTUALLY IMPOSSIBLE. 
We called the billing Department and they agreed there was an error but refused to send us a confirmation that there was an error. Talked to various people including a manager and they all refused to sent a confirmation of the mistake. A week later we get a bill saying we owe XXXX and there will be a LATE CHARGE OF $ XXXX.WE CONTACTED THE BILLING DEPARTMENT AGAIN AND IT WAS THE SAME STORY " WE CAN NOT SEND YOU ANYTHING VERIFYINF ALL THE ERRORS, BUT WE WILL MAKE NOTES IN YOUR RECORD. We paid this loan off years early and they keep sending us this kind of correspondence that will affect our credit rating of XXXX. We are never late paying anything always pay off early, just like now.

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 2019-09-12
Company: EQUIFAX, 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS. THOSE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT AND I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THESE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS. THOSE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT AND I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THESE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

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 2020-07-27
Company: Kriya Capital, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Credence Resource Manage & XXXX XXXX XXXX continue to call and threaten to collect a debt. I returned the product and canceled the service in 2017.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-10
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: Investigation took more than 30 days

Complaint:
Why is is it taken more than 4-6 months and i still haven't received the responses???? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: COLLECTION PROFESSIONALS INC (Illinois)
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:
I received a letter from a debt collector stating I owed XXXX from a medical provider. I mailed a letter to the debt collector asking them to verify the debt. I requested dates of services, reason for the visit, and proof of previous payment. When I went to the XXXX XXXX  office any out of pocket cost was paid at the time of the visit. I never received any bills, letters, or calls from the XXXX XXXX office. 

I received a letter back from the debt collector stating " When an undisputed account is listed with us for collection, it is deemed to be due and payable in full. If you need time in which to secure the balance due, call or visit our office so that a reasonable extension of time may be granted ''. 

This collections agency never supplied me with my request, basically they're stating if the debt was placed with them then the money is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i was called by a person who passed herself off to be a medical person or close relative that my wife thought she was. than the woman wouldn't give her or me any information until i said who i was. she than said the information was being recorded. she stated that i owed XXXX and that it was in collections. i told her i don't owe that much and that the bankruptcy trustee paid them XXXX she refused to accept the amount i said i would try to pay and she refused to listen to me and said something like she didn't half too. she told me to have a blessed day and hung up.

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 2020-09-23
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent a letter to the credit bureaus on XX/XX/2020 to remove the following incorect addresses and incorrect names from my credit report. I have not received any mail back from them and I have proof of mailing. It has been over 30 days, I demand that the following information be deleted : XXXX Incorrect Names : XXXX, XXXX, XXXX XXXX, XXXX, XXXX  XXXX, XXXX, XXXX  Incorrect Addresses : XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX  Incorrect Names : XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Equifax Incorrect Names : XXXX XXXX XXXX Equifax Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Proof of mailing to bureaus and proof of identification is attached

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: EQUIFAX, INC.
State: IN
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:
On XXXX XXXX, XXXX I sent certified mail to XXXX and Equifax credit bureau 's to have credit inquiries removed from my credit report. These inquiries were made without my persmission and should have to be investigated. I never received word back from the credit bureau 's after 30 days, which means they should be removed from my credit report. I also read that a tax lien should be removed from my credit report which was filed in XX/XX/XXXX. According to several web sites, starting on XX/XX/XXXX consumer credit reports were to have all tax liens removed from their reports. I am asking for 6 credit inquiries to be removed of the 8 showing on my credit report. The only two inquiries which were authorized were, XXXX XXXX XXXX XXXX and XXXX. These are correct and should be on my credit report. The others I did not authorize and should not have ever been allowed access to my credit report. Could you help me with this problem?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Account sold or transferred to another company

Complaint:
American Express business card was charged with fraud transactions but I wasnt been able to access transactions on the account and I wasnt even offered a replacement card the card went dramatically $ XXXX {$1700.00} from the used amount. 

Always made payments on time no late payment. Waited over 3-4 months they said they called multiple times but havent received any calls there calls say spam risk and they say its not under there control and they havent left any voicemail or letter.

Then one day I get a voicemail from collection agency and its debt from American Express which I was willing to pay in full but only if they let me see my statements and provide me a replacement card.

Even my 2 other personal accounts accounts I cant see statements last representative offering me payment program after closing my accounts but my accounts already closed despite me making payments on time.

Called them 100 times wasted hours no solution from one department to another. Fraud charges on my business account were a lot. Also my two personal accounts were already closed despite them offering the program.

Reason they gave for closing my 2 personal accounts is my fico score and some fraud activity. My fico score fell because of the business account which they gave to collection because of non payment.

Business account and all other account no access to statements kept telling them I cant access it they said they will send it in mail didnt receive it.

Ask representatives for solution they say they cant do anything or they disconnect.

I am willing to pay for what I used no fraud charges or late fees they have applied on my accounts.

The account with fraudulent activity should be investigated. It shouldnt be sent to collection agency

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-27
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: Their investigation did not fix an error on your report

Complaint:
In XXXX, XXXX, and again at the beginning of XXXX I submitted paperwork directly to the bureau not only from the court, but also from XXXX XXXX, and XXXX  .... all showing that the bankruptcy listed on my credit report should be removed. Each time submitted i have received a " canned '' response from the bureau without one once of proof of this public record being filed by me, with any signature, with any paperwork, with any address ... no proof. This has been requested on multiple occasions although i have provided proof myself that the bk are not mine. Ive wrote, faxed, and called with no error being fixed. 
I know the response is canned and standard that i receive due to the bureaus saying it was verified to THEIR company citing the exact places that ive sent them directly. Its insane.

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 2021-05-26
Company: EQUIFAX, 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 am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

Company response to consumer: Closed with explanation