BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-11
Company: AMERICAN EXPRESS COMPANY
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had an American Express opened since XXXX I used this card than fraudulent case happened and I have filled for fraud and do to XXXX I can not pay the amount. I have filed a fraud case for {$21000.00} my card was stolen oversea and customer service department fraud department in American Express know this. The credit team decided to close my account while I have fraud opened i will not pay a cent until my account is opened. 

Kind regards XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 sent my letter off. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out. 

According to the FCRA The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are STILL NOT reporting 100 % accurate. According to the FCRA 15 U.S.C 1681 everything has to be 100 % ACCURATE. I have the credit report showing the inaccuracies. 

Accounts : XXXX # XXXX XXXX XXXX # XXXXXXXX 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 2017-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Bank of America charged me 2 overdraft fees and it was there overdraft fee that actually took me over the limit. This bank continues to charge me several fees when it is only 1 charge that takes me over the limit. How exactly does that happen. I am working 5 different jobs and do n't have any  funds to just give away.

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 2019-04-30
Company: The Outsource Group, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX, I wrote a letter to XXXX  requesting information supporting the alleged charge as I did not recognize the bill. They never responded. I wrote again on XX/XX/XXXX demanding that they validated the debt and stop reporting a collection action against me. Subsequently XXXX  stopped reporting but XXXX and XXXX continue to do so. I have attached my XX/XX/XXXX letter and my most recent credit report excerpt so that XXXX  and XXXX  still report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: Experian Information Solutions Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Account debt in question.XXXX XXXX FKA XXXX account number XXXX This account is listed as being 30 days late. I have never been late on this account. Please correct this account accordingly within 30 days. This has been false reporting to my credit report. And Experian have allowed my dispute to become unaddressed over 30 days. Please delete the 30 day late report on my account. I have never been late.

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 2018-03-19
Company: EQUIFAX, INC.
State: WY
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: Problem getting your free annual credit report

Complaint:
On XX/XX/XXXX, I attempted to dispute credit information through the XXXX website. The website stated that the information I provided did not match their records. I called Equifax directly and asked them to correct the issues ; however, they stated there was not an issue and that all of my information matched their records. I continued to attempt to access my credit report and file a dispute after verifying my information was correct and was not able to do that. I spoke with several staff members and was transferred to different departments at least 7 times and my issue was not resolved. Equifax stated that there was nothing they could do about the issue. I was unable to file a dispute on this date. 

On XX/XX/XXXX, I attempted to dispute credit information through XXXX. I attempted to enter my information and was provided with a message that stated that my request could not be completed because my information did not match their records. I called equifax and they stated that my information was correct and there was no way for them to problem solve the website error. They also stated that if I access my credit report from XXXX, that I could have access to my credit information. I attempted that with them on the phone and was unsuccessful - again given an error message about my information not matching their records. I was transferred between 2 different departments and spoke with XXXX different people. I was either told that they couldn't help me and that someone in a different department could resolve the issue OR that there was no department that resolves that issues and there was nothing could be done. After talking with the first 6 people, I spoke with a supervisor who stated that there wasn't anyone who could fix the issue because according to their information, there wasn't an issue. She stated that she would 'escalate ' my concern, then said they wouldn't call me because they don't initiate " follow ups ''. On this date I was unable to access my credit report and a dispute was filed over the phone because their information prevented me from doing this on my own. 

This issue has been going on well over 2 years and I still have not received a satisfactory resolution. It bothers me greatly that Equifax has access to my personal financial information and are not held accountable when neglecting consumer concerns and refusing to provide a trusting and accurate service to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: LAKEVIEW LOAN SERVICING, LLC
State: NH
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I received a letter from the town of XXXX NH XXXX stating my bi-annual taxes for XX/XX/XXXX have not been paid. I contacted LakeView ( mortgage company ) and sent via e-mail the Notice of Impending Tax Lien and the XX/XX/XXXX Tax bill. I sent several emails with no response. On XX/XX/XXXX I checked with the town and still no payment. I asked if I should pay the bill or wait, the town said it happens often and normally things are taken care of quickly and recommended i wait. I called LakeView on XX/XX/XXXX and was told a payment went out on the XX/XX/XXXX. I checked again with the town on the XX/XX/XXXX and still no payment. I received an e-mail on the XX/XX/XXXXfrom XXXX XXXX stating that a disbursement was made on the XX/XX/XXXX. I was told to not to pay the bill by the town on the XX/XX/XXXXsince a check is in route. On the XX/XX/XXXX the check failed to appear and a lien has been placed on my house and my credit has been affected. I work for the XXXX and am required to keep fiances in good standing due to security clearances. I have contacted LakeView Mortgage several times with little help and no follow up on their end. As of XX/XX/XXXX the bill is still outstanding. Per a conversation with a lawyer I was told not to make the payment on my own yet due to a double payment that may take even longer to be reimbursed. The lawyer I contacted suggested to try this process first. I have been with this mortgage company for 9+ years and always in good standing with no late payments. The Tax and insurance are paid through an escrow account that is paid monthly and is current with available funds.

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 2018-05-08
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 am a victim of Identity theft and Experian, XXXX, and XXXX  is reporting information that does not belong to me.In addition, they have not responded to my request for deletion sent via certified mail recieved by them XX/XX/2018 and XX/XX/2018.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-10
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My account was frozen without any reason and I was conducting business in good faith. Money are frozen and can't be lifted within next 180 days. My account was frozen without any reason and I was conducting business in good faith. PayPal didn't nor state the reason why they did it, nor they even allow me to appeal the case. 
Reference : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I fell behind in my credit card bill ( high interest 22 % ) in XX/XX/XXXX. I spoke with representatives in late XX/XX/XXXX and early XX/XX/XXXX to get onto a payment plan to get up to date with my bill. I also attempted to close my account and go onto a payment plan due to my financial hardship ( as I had done with other companies ). The representative told me to call back in a week as I did not qualify for their plan but given no reason. I called back in a weeks time but they would not offer any solution. I would pay the bill when I could but can not catch up due to the high interest and back payments. I have continuously called Capital One for weeks to join a payment plan but they continue to tell me to " call back in a week and see if I qualify then ''. I've spoken with managers and the executive office but nothing. My bill continues to fall behind despite trying to resolve this issue and I am at a loss and will not be able to pay my current past due balance and considering bankruptcy with no resolution despite my best efforts. I filed a complaint with the CFPB to try and deal with this abhorrent customer service and receive a call from the company. The first call in late XX/XX/XXXX with the executive office disconnected with no assistance but to say " call back in a week ''. I finally spoke to a representative who put me on a " workout program '' which lowered my interest and established a reasonable 60 month payment program. Believing I finally have resolved this issue I was surprised to receive a letter two days later saying I was ineligible for the program. My account continues to be past due and I can not pay the past due. They need to work with their customers who are trying to pay back their debt. This is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have submitted two ( 2 ) formal dispute letters to Equifax, XX/XX/XXXX and XX/XX/XXXX regarding inaccurate information contained within my credit report file with that agency asking that the XX/XX/XXXX XXXX Credit Inquiry be removed from my credit file. In responses dated XX/XX/XXXX and XX/XX/XXXX, Equifax responded that the disputed item is not currently reporting on their credit file. However, today, XX/XX/XXXX, this disputed item continues to show on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX shows my paid off auto loan as still open and in addition to that it fails to show a payment made on XX/XX/2021.

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 2021-06-29
Company: The CBE Group, Inc.
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CBE GROUP XXXX continues to harrass and threaten me with court action for a payday loan I never took out. This is the second time I've had to contact CFPB about them. Please assist. I DO NOT OWE THEM ANY MONEY!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 want my fraud 2 inquireys iff for XX/XX/XXXX and XX/XX/XXXX. 

Then take off illegal reporting for last 4 years on my XXXX credit card for 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 explanation
Consumer complaint received 2021-06-29
Company: Credits, Incorporated
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Preferred property tried to charge me {$4000.00} for a broken window and I argued the cost down to {$400.00}, paid it and left the unit. I am now hearing that I am being charged over {$4600.00} by a company that claims to have bought the debt, I asked for proof and they immediately sued me without providing proof. I did not receive notice that I was being sued and was defaulted against. 

The company suing me and is named Credits , Incorporated - based in XXXX, Oregon.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I noticed fraudulent transactions in my Wells Fargo credit card. I received a text message on XX/XX/XXXX regarding a transaction " XXXX XXXX '' for XXXX, I instantly called Wells Fargo regarding these fraudulent charges. They said they would give me a new card. However, several more transactions continue to be processed for weeks, even when Wells Fargo switch my credit card account. They continue to allow interest charges on the account then after a few weeks with no resolution I closed the account ( before I did the Wells Fargo representative told me it wouldn't affect my Credit Score but it did ). Afterwards, the account was frozen and Wells Fargo credited, supposedly, credited all fraudulent charges. In XX/XX/XXXX, I contacted Wells Fargo regarding the balance I needed to pay. They stated that I owed XXXX, asked what/why are those my charges yet no one in Wells Fargo ever answered my question and advised me for months to not pay the balance since it was still being reviewed. Now Wells Fargo Executive Team is failing to contact me and resolve this situation regarding where the amount of transactions are coming from and remove interest/late charges since Wells Fargo employees insisted that I not pay every month, which has also negatively affected my credit score.

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 monetary relief
Consumer complaint received 2021-06-02
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: Information belongs to someone else

Complaint:
I am a recent college graduate. Upon checking my credit report, I found several inquiries, wrong address and a collection account that does NOT belong to me. I am trying to seek employment but these erroneous items are preventing me from employment. 

FOR THE RECORD : This is not a credit reporting agency. I am a victim of Identity theft. There are things on my credit reports that indicate this. The companies that I am reporting inquiries are : ( XXXX, XXXX XXXX XXXX XXXX ( twice ), XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX and XXXX XXXX XXXX I also have a collection account with no name but an account number of XXXX. The creditor has not supplied proof under the doctrine of estoppel by silence Englehardt v. Gravens ( MO ) 281 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. 

I am asking EQUIFAX, XXXX and XXXX to ensure they remove these erroneous items. I am being prevented from obtaining employment because of the items on my report. I will obtain legal action if they aren't removed immediately. All of the items are inaccurate and unverified. 


This not a credit reporting agency. I am writing because I am a victim of identity theft. Equifax, XXXX and XXXX continue to disregard the Federal Laws for Identity Theft. I am personally filing this complaint to you and this is not a credit repair company. I am expecting you to follow the laws and have this information blocked from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: EQUIFAX, INC.
State: NY
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 XX/XX/2021, I notified credit reporting agencies that they violated the 15 us code 1681 and 15 us code 1681b ( FCRA ). This is frustrating as it will surely make my transactions in the future hard and time consuming and because of that, I want it to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: Experian Information Solutions Inc.
State: MS
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:
I have been trying for over a week to access the companys application and/or their website to access my account without success. 

I fill out the forgot user name and fill our the requested information and wait ( as directed ) for an email to access the information. I wait the requested time and check my spam or trash folder without success. I wait an additional few hours or days with the same result. 

I do, however, receive a request to fill out a satisfaction survey. 

I spoke to a representative, did not write the name down, while working with this individual tried to change my user name after supplying the prequalifying information : SSN, Full name, birthday, and. Correctly answering the security questions. I wanted to use a newly developed password that contained an S which I spelled phonically as XXXX however the individual did not understand and repeated cscan ; when I pointed out that this word began with a C not an XXXX the individual still did not understand and jumbled several of the other characters as well. 

I became so upset and angry that I told the individual I was both upset and angry ( I do not curse people as it does nothing to solve the problem. ) and that I was ending the call before I became belligerent. 

I filled out a complaint on the afore mentioned survey request ; however, I still can not access the information about my account.

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