BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-08
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a bankruptcy appearing on my credit report that has been falsely been added to my credit report. I have sent in certified documents with supporting evidence stating that the Chapter XXXX Do Not report information to any credit bureaus but It still remains on my credit report

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 2022-04-02
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: Information belongs to someone else

Complaint:
After receiving my credit report, I am not happy when I noticed these inaccurate and incorrect information in there.

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 2022-04-02
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: Information belongs to someone else

Complaint:
After receiving my credit report, I am not happy when I noticed these inaccurate and incorrect information in there.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: CONTRACT CALLERS INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt was paid directly to XXXX XXXX but it is being reported by this company on my credit report.

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 2020-09-25
Company: Paramount Recovery Systems, L.P.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
ON XX/XX/2020, I SENT PARAMOUNT RECOVERY SYSTEM AND XXXX XXXX XXXX LETTERS FOR THE ALLEGED DEBTS OF XXXX ( XXXX ) XXXX  XXXX ( XXXX ) THAT I DO NOT OWE.I HAVEN'T RECEIVE ANYTHING FROM NEITHER OF THEM CONCERNING THE DEBTS AND I HAVE ATTACHED COPIES BELOW FOR YOUR ASSISTANCE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: WELLS FARGO & COMPANY
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:
I do n't understand how wells fargo allowed someone to rob my savings account. every day.Someone was going to wells fargo ATM in Florida getting taking {$300.00} out everyday starting on the XX/XX/XXXX antil XX/XX/XXXX 2017.also someone was checking account balance in XXXX NC and tried to take out {$400.00} and {$300.00} and {$100.00} in the XXXX NC as well as someone taking money out in Florida. Someone manually keyed Credit card in at a XXXX XXXX XXXX in XXXX XXXX area, I did a fraud claim with the ATM card service nothing has been done. Some one from the Attorney General need to go into that Bank and take over and do a internal investigation. I have seen plenty different face that work there and then leave. please have the FBI go into that location XXXX XXXX XXXX XXXX nc 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 explanation
Consumer complaint received 2020-04-25
Company: ALLY FINANCIAL INC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
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 not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

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 2017-10-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
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:
On the XXXX XXXX XXXX I was called while I was abroad in XXXX. 
A country well known internationally for scammers stealing people 's private personal information and using it to scam people out of their hard earned money. 
As soon as the representive call me from portfolio recovery, and started to tell me the call is being recorded and is an attempt to collect a debt. 
I told her I was not in the united States and can not talk about the matter until I returned to the XXXX. 
She started to read out by personal information over the phone. 
Like my full name, my address, my phone number and my social security number. 
I asked her several times to stop as I 'm not on a secured line and my information can be stolen by scammers in XXXX. 
She refused to stop and continued, she kept talking over me, and kept saying it any ways. 
Wnen I realized she was harassing and battering me I cut the call for fear of her releasing further information over the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-06
Company: Bread Financial Holdings, Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Victoria Secret angel card charged {$1.00} fee in XX/XX/XXXX when the account had a {$0.00} dollar balance. The account then relieved a late fee for not paying the undisclosed {$1.00} minimum finance charge. Resulting in a {$2.00} balance. In XX/XX/XXXX there was a notice of {$2.00} on the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-07
Company: CITIBANK, N.A.
State: GA
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:
This company ran a Hard Inquiry against my credit report without approval. I attempted to contact them and they did not respond to my communication attempts.This is negatively affecting my Credit Score and I would like it removed. 

Inquirer Name : CBNA Inquiry Date : XXXX XXXX, XXXX Business Type : Bank Credit Cards Contact Information : XXXX XXXX XXXX XXXX, SD 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 2022-04-02
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: Was not notified of investigation status or results

Complaint:
My letter dated XXXX which was mailed to Equifax on XXXX. That letter was mailed to Equifax by XXXX MAIL XXXX XXXX XXXX XXXX XXXX. The letter was received by XXXX XXXX on XXXX. However, there is no record of my letter and new relevant documents in their XXXX System.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: LD Holdings Group, LLC
State: TN
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Letter from XXXX XXXX XXXX XXXX on Behalf of Loan Depot.. stating my loan has been transferred.. Loan Depot denies this 3rd party communication. My understanding I am protected by Moratorium enacted by congress for those impacted by XXXX. I was placed in forebearence. I was approved by Loan Depot for a re-finance and then sent to collections. When protected by Moratoriam I should not be placed in forebearance status nor sent to collections. I should be able to re-finance and roll back payments using equity from the home. I am protected by a moratorium.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Earlier this year I submitted a dispute on the grounds of ID theft to all three credit bureaus. XXXX and XXXX  did their due diligence of thoroughly investigating and removing unauthorized accounts included in the claim, however Equifax still reports two accounts that are not only unauthorized but have no phone number, address, name of collection agency or original creditor on the accounts, yet claim that they " verified '' that these accounts were mine. How? If they send me a report with no contact information for the alleged debt and collector, how did they verify it. Their reporting of these accounts are in direct violation of the Fair Credit Reporting Act that all accounts must be accurate and verifiable. How are these accurate without the name of the debtor, an address or a phone number. I even asked to show me their proof of their method of verification of the debts which they have not. Therefore, by law these accounts must be removed and I expect them to do so immediately. No more 30 days of an investigation. They 're time is up. Remove them or I will sue. And another lawsuit is the last thing Equifax of all CRAs needs right now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-02
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
Cash app refused to replace add cash in the amount of XXXX {$500.00} on XX/XX/XXXX from XXXX XXXX. I tried calling the support number and they do not answer. XXXX denied that they reimburse electronic digital wallets but the advertise they do. On XXXX XXXX my cell phone was acknowledged by XXXX 



I M going through identity theft and have since XXXX. I need to have debt corrected from XXXX XXXX XXXX, rent reimbursed to XXXX XXXX, and XXXX XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX. 
XXXX and XXXX XXXX XXXX I had data breaches that are liquidating assets. XXXX XXXX XXXX XXXX XXXX XXXX. I have property rights that need to be respected. 

I need my legal charges dropped. I was locked out of XXXX XXXX for XXXX weeks and could not get my debit card to activate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX data breach was with irs and ss.had garnished my wages in XXXX after using XXXX and XXXX XXXX and XXXX. I had just come back from XXXX and got on XXXX and XXXX with the state of XXXX. My XXXX was phished by a frauded XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The scandal 0f my ss money and military rights and benefits and XXXX rights has gone all my life... XXXX XXXX XXXX XXXX 

XXXX caught the scandal in XXXX but was never stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: AMERICAN EXPRESS COMPANY
State: VA
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:
Several weeks ago I added an AMEX merchant offer to my American Express Gold Card whereby I could purchase a new XXXX XXXX XXXX membership for {$45.00} and receive a {$25.00} statement credit. On XX/XX/XXXX I did so. Unlikely usually with AMEX offers, I did not receive a confirmation email of the offer being used/triggering and in the few weeks since have not received an indication I would be receiving said {$25.00} statement credit back. While AMEX 's terms say they can take quite some time to provide the credit nonetheless usually AMEX is quick with such credit provision. I online chatted with an AMEX representative to clarify on why it was taking so long to receive my credit, or any indication that it was eligible, and the AMEX representative said that the XXXX XXXX XXXX purchase was not eligible. 

However, based on the terms of the purchase, I followed the AMEX offer exactly down to the letter. I have not been a XXXX XXXX XXXX member in anytime in recent memory, the purchase was for a regular new club membership and not a plus membership, the purchase was online through XXXX, the purchase was not combined with any other offers, and it was for {$45.00}. There is no legal reason why I am not deserving of/entitled to the {$25.00} credit, as I very likely would have not purchased such a {$45.00} membership without AMEX inducing me on the promise of a {$25.00} credit and I followed the offer terms exactly.

I am concerned that AMEX has seemingly improperly coded the purchase, making it so many others may also not be receiving their credit ( if anyone at all ), and their inability to look at the case beyond the coding such as looking at receipts or appeal to a manager/supervisor. Either AMEX has made mistakes with their coding for this offer or is engaging in unfair/deceptive/abusive acts or practices by inducing people to purchase a new XXXX XXXX XXXX membership and not giving them their credit that they are entitled to receive based upon following the terms and conditions exactly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-02
Company: JPMORGAN CHASE & CO.
State: PA
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:
Hello, On XX/XX/XXXX there was a hard inquiry on my credit from XXXX XXXX XXXXXXXX. It was not from me, I didnt authorize any credit checks or open any accounts/credit cards. 

On XX/XX/XXXX there was a hard inquiry on my credit from Jpmcb Card. It was not from me, I didnt authorize any credit checks or open any accounts/credit cards. 

On XX/XX/XXXX there was a hard inquiry on my credit from XXXX XXXX XXXX. It was not from me, I didnt authorize any credit checks or open any accounts/credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
On XX/XX/2021 I sent a dispute letter to TransUnion to validate and delete XXXX XXXX Account Number : XXXX and XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX. It has been more than 30 days and under 15 U.S. Code 1681i ( 5 ) ( A ) ( i ) this item must be deleted promptly.

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 2017-10-05
Company: Io, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
A man called my home phone number and asked to speak to me. I said this is she speaking. He said he was calling from some resolution/recovery company which was not noted on my caller I.D . He asked me for my personal information, my address and birthdate. I told him I do n't give out my personal information. His response was I 'll see you in court. 

My call I.D . showed : XXXX, XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/XXXX @ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Two private loans I have with them very discharged in my Chapter XXXX bankruptcy in 2015. Provided paperwork numerous times. My loan keeps getting rolled into forbearance then they show it over 120 days late on my credit reports. And getting daily calls for payment. Do n't know what else to do at this point. Any help would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: WELLS FARGO & COMPANY
State: AZ
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:
I have contacted this company named Wells Fargo since XXXX regarding a personal line of credit that was issued. I have been provided with misleading information regarding the dispute of their investigation every since time! Ive spoken too a resolution specialist in the Iowa Office XXXX XXXX and he provided me the resolution too resolve the matter, and once I accepted that offer the executive office lost contact with that representative. The representative XXXX XXXX was unable to be reached.. I was given the run-around by EVERY supervisor when calling in AND, I had to provide my story every single time! This amount is excessive and higher than the original balance the company has been in a class action lawsuit XX/XX/XXXX regarding damaging credit and was suppose too release at least an amount of {$25.00} XXXX too non-compensatory damages. I NEVER received any information regarding they would assist as I complained EVERY YEAR too this company about my compliant. I have all documentation regarding the suit and how they allegedly claimed to help those who was hurt. Within the XXXX XXXX XXXX XXXX 2. Settlement Benefits it states : Net Settlement Pool 1, which will be 77.46 % of the net settlement fund, will go too paying damages related too period running from XX/XX/XXXX through XX/XX/XXXX. The documentation Also states they as in Wells Fargo would pay for the Fee Damages, and Credit Impact Damages for the XXXX to write and still leave at least {>= $1,000,000} for Non-Compensatory Damages The documentation states they are Obligated too pay the amount. It states as well if a previous consumer has complained too Wells Fargo or Federal Agencies they would be automatically enrolled into the settlement in section ECF 162-9. AS I READ SA 2.37, 2.42 Wells Fargo has AGREED too pay {$1.00} XXXX towards their so called expert analysis which wouldve been the title of XXXX XXXX who was miraculously retired/and or fired.

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 2017-10-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
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:
This letter is to notify you that I no longer am disputing this account. 

Please remove all consumer dispute statements from my credit profile as reported to the credit reporting agencies by your company upon receipt of this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXXXXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXXXXXX Account # 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 604 A Section 2 : 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 non-monetary relief
Consumer complaint received 2022-04-02
Company: EQUIFAX, INC.
State: AL
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:
After receiving my credit report, I am not happy when I noticed these inaccurate items in it, they are impacting my score and I want them to get removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: Big Picture Loans, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I took out a payday loan several years ago through XXXX XXXX XXXX. During that time, things were fine, until I needed to change to a different bank account because I changed where my direct deposit was going. They told me that there was n't a problem, then they tried to take it out of the wrong bank! When that happened, everything went nuts and I had bounced checks going crazy on that account. This put me in a financial bind and I was not able to pay them, and I had to close out that account. That had to be at least 2-3 years ago. 

I received a phone call today at WORK ( I have told XXXX XXXX that they may NEVER call me there ) from XXXX at XXXX telling me that they were in the process of having me charged with defrauding the state of Florida and writing bad checks. Once this happened, I would be arrested at my place of employment! I told them that they could not call me there, but I would have my wife call them back. When she called them, they would n't give her any information. She wanted their correct name, mailing address, and fax number, but they refused to give it to her or even verify their correct business name. ( They answered the phone as XXXX, XXXX, and XXXX. )

Company response to consumer: Closed with explanation