BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-21
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I continue to receive letters from a Debt collection Law firm called XXXX XXXX XXXX, XXXX XXXX XXXX, which I have disputed and written several letters to indicating that this debt does not belong to me. I was never served.I notified them that this was fraudulent and was illegal to collect monies from me on a debt that does not belong to me. This debt appears to be more than10 years ago and even the statutes of limitations to collect had ran out, and I have just received a renewal of judgement dated XX/XX/XXXX. XXXX XXXX XXXX have renewed a judgement that has been more than 10 years ago and served me with this new judgement on XX/XX/XXXX. I had previously filed a complaint with the CFPB about this law firm and their illegal tactics and deliberate violations of all applicable laws that applies to the FCRA and the FDCPA. with the CFPB and nothing came of it. This Law firm has a track record of harassing and aggressively collecting and suing innocent consumers and they need to be investigated for violating consumer protection laws and statutes. I am a medically retired peace officer with the inability to settle such a debt even if the debt was mine. To have twice filed an illegal judgement against me is very debilitating to me and my general welfare, particularly my health. Please I am pleading with CFPB to open an investigation into 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 explanation
Consumer complaint received 2019-02-27
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I used my Wells Fargo debut card at a third party atm for {$200.00} plus a {$7.00} transaction fee in mid XX/XX/XXXX. The atm declined my transaction and stated i had reached my daily limit for withdrawals. Upon checking my online banking on XX/XX/XXXX, my account statement showed that I had been debited for the {$200.00}. I filed a claim with Wells Fargo and was given a credit several days later. Roughly a month later I received a notification that the credit had been made permanent and their investigation was decided in my favor. On XX/XX/XXXX, {$200.00} was debit from my account and Wells Fargo is now telling me that theyve decided that Im responsible for the transaction. I received no notification of any reversal. No letter in the mail, no electronic notification of any kind. Wells Fargo does not honor their policy of account protection and has told me that its now my responsibility to go after the ATM owner. Its also worth noting that at the time of this transaction, Wells Fargo was experiencing severe atm issues and double debits were happening frequently. The company corrected the majority of those, but they take no responsibility for this error.

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 2017-09-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I would like to file a complaint against the two credit bureaus, XXXX  and Experian for violation of the FCRA. I am a veteran who was entitled to the GI Bill. I utilized my GI Bill benefit to further my education. I was informed that there was an over payment ( XX/XX/XXXX ). I paid it back ( XX/XX/XXXX ). It appeared on my credit report as two negative items even though it was not a loan or credit transaction. I have received letters from the Veterans Affairs informing that my account was satisfied ( XX/XX/XXXX ). I sent the letter to both credit bureaus along with a dispute of inaccurate information. The item remains as two separate negative accounts. 
I need them to remove these items.

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 2021-02-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Credit bureau Experian has been reporting a 30 day late on my report XX/XX/2020. I've disputed 6 times and provided them a letter from XXXX XXXX explaining and showing I was not late. XXXX XXXX has removed it 4 times however, they continue to report again and again. This has gone on for 12mo and has stopped me from refinancing a property with an interest rate of 12 % costing me a lot of money.

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 2023-01-02
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX 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 explanation
Consumer complaint received 2021-01-22
Company: Credit Card Acquisitions Group
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
On XX/XX/2021 I received a notification from experian about a collection from Foster and Monroe LLC in the amount of {$37.00}, XXXX. I have no knowledge of this debt and nor have I ever received any type of correspondence from them. I have not spoken to the company and I would prefer not to unless I have an attorney involved due illegal tactics that could be used to attempt to make me liable for this rogue debt. If in fact that it was something on my end, there has been no type of records whatsoever sent to me or any telephone calls. I have filed a complaint with the better business bureau and filed a dispute with experian in order to have this removed from my credit immediately. This should have never been put on my credit profile due to no communication efforts or any verification by mail from this organization. The end result I would graciously like to have is it deleted from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have previously disputed this account with Bank of America and filed a complaint with CFPB regarding the account. The account was closed prior to 2016 with a {$0.00} balance. Bank of America did not respond to my CFP complaint within 30 days and requested an additional 45 day. However, to date I have not received anything from them in response to the complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
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 account furnish a account without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 
XXXX {$32.00} XXXX {$420.00} XXXX {$57.00} XXXX {$180.00} XXXX {$1100.00} XXXX {$850.00} XXXX {$850.00} XXXX {$420.00} XXXX {$600.00} XXXX {$1400.00} USDEPTED4100XXXX {$50.00} XXXX {$160000.00} XXXX {$160000.00} DEPTEDXXXX  {$50.00} XXXX {$1800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent a Validation of Debt to XXXX XXXX on XXXX requesting documentations that the allege debt belongs to me. they reply with a print out document with my name on in and the allege amount of money I owe but also offering a 40 % discount of the allege original balance they said I owe. I sent a letter to the credit bureaus on XXXX respectfully asking them to do their own investigation and to provide me documentations bearing my signature as a proof that the account belongs to me. which they never reply.

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 2023-02-22
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX/XXXX/22 XXXX XXXX/XXXX/2022 XXXX XXXX XXXX/XXXX/22 These are not my inquiries I didnt not apply for anything in 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
ill try to make it simple, i gave permission for my credit to be pulled by these company 's 1 ) XXXX XXXX XX/XX/XXXX, XX/XX/XXXX. 2 ) XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, These company i listed had my writen consent to pull my credit, all others do not have my written consent and there for i want them removed unless they can provide transunion a document with there letter head and my signature they dont have permission or pressumeable permission, i was not informed nor had any idea that all these banks was pulling my credit report. please as under FTC creditors or any person pulling a report must have permission.

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 2021-02-25
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: Investigation took more than 30 days

Complaint:
I have sent the payments on time and the company holds the payments until they decide they are going to process three payments at once. This has for late payments on my credit report. I have sent this information to them and this has not been corrected. They now have collected 1000s in additional fees and charges. This is my third complaint and I still do not have this corrected and have the paperwork on the certified checks from XXXX XXXX XXXX to show that these check went out each month. Then they show me 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 2018-04-21
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My credit limit with XXXX XXXX was {$2000.00} I have a balance of {$1000.00}. I have a excellent payment history with XXXX XXXX. With having a excellent payment history and only using 50 % of my limit, this would give me a good rating for my credit. Now since XXXX 's have chosen to reduce my credit limit to {$1100.00}, this now has a negative impact and gives a false factor to anyone who views my credit report. Instead of showing I was about 50 % now my credit shows 95 %. That's a false report that negatively impacts 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 explanation
Consumer complaint received 2018-12-08
Company: JPMORGAN CHASE & CO.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/18 at XXXX a man called me from ( XXXX ) XXXX XXXX XXXX , CA . He identified himself as XXXX and said he was an Attorney that had been retained to collect a debt. He knew personal detailed information about me and my assets. I told him I wasn't aware of any debt, he then told me a summons had been mailed to me and if I didn't appear in court I would be arrested. 
I began to ask questions about the debt ... he got very rude and said I had already been made aware - at this time I needed to make a payment of {$800.00} to settle the debt or my car would be repossessed. 
He told me if I haven't made a payment by Monday XX/XX/18 he will be moving forward with court proceedings to have my vehicle taken ( which he knew the specifics of ). 
I'm not sure if this is a scam ... but, this phone number came up on a XXXX search and I have never received any letters from a debt collector or an Attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is my 5th attempt or more to resolve this issue with PRA. This company has falsified a response in an effort to close out this complain. As a consumer, this is a complete violation of the fair process that the CFPB provides. Additionally the company has sent additional letters to collect a debt that has not been validated and these were sent after I requested all communications to be ceased.

This company has only provided proof of my mailing address, without VALIDATION or competent evidence that I have any legal obligation to this alleged debt.

This office continues to report invalidated information to 3 Major credit bureaus ( XXXX XXXX, or XXXX ) and this action constitutes fraud under both Federal and State Laws : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

Now that it is 30 days later, I demand Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums.

Pursuant to 15 USC 1692c. ( c ) I am invoking remedy as a consumer, deletion of all alleged accounts ( ending in 2682, 5799, 6992 and 3759 ) from all credit bureaus.

I will provide every single copy of letters received, including those received after I requested to no longer be contacted, which is in violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08
Company: Optima Advocates
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Received a call from one of their representatives in XX/XX/2018, telling me about student loan refinance and pay off at a lower and more manageable payment. Put me on a payment plan, while mentioning that it would be for my student loans. After a few months, payment of more than 5k to Optima Advocates, they said they were finalizing a settlement action with Student loan servicer and would take a few months to settle. 
Called and emailed in XX/XX/XXXX to get an update, said it was in the process and would email/mail me information sent to my Credit Bureaus and loan servicer, it is XX/XX/XXXX and still have not received information. Called and emailed again XX/XX/XXXX and XX/XX/XXXX, said that the case manager is on leave for medical issues and she is the only one who has access to my file. Called them XX/XX/2018, spoke with quality control manager and told me they are putting my file together to get an accurate information to send to me. They will follow up again on Monday. They have said this multiple times with no updates

Company response to consumer: Untimely response
Consumer complaint received 2017-12-10
Company: Young America Holdings, LLC
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Hi, I received a prepaid card for {$240.00} on or around XXXX/XXXX/16 as a rebate on a promotion. I 've used the card a few times over the year, and when I recently tried to check the balance, I was told that the card was only valid for one year and all remaining funds had been removed from the card. I understand companies needing to charge a maintenance fee if the card has been open for a long time, but to remove all remaining funds from the card after less than a year seems a bit extreme.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have always paid my XXXX Citibank card in full. A Citibank representative told me that if I dont pay in full, that I would only be charged interest on the remaining monthly balance for the number of days left in the month. My due date is the XX/XX/XXXX. On the XX/XX/XXXX, I paid the remaining {$100.00} on my 2000+ monthly balance. Citibank charged me interest on the full balance. They reversed it after I called, but said that I will be charged interest on {$4500.00} for the month of May EVEN IF I pay the balance in full by the XX/XX/XXXX because I have to pay in full for two months in order to not be charge interest. So, because of a mere {$100.00} left on my XX/XX/XXXX bill, they want to charge me interest on 2000+ for one month and +4500 for the next month. This is excessive and o my Benefits Citibank. Moreover, my billing cycle doesnt end until the XX/XX/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 2022-08-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Select Portfolio Servicing assumed the collection of mortgage fees dated XX/XX/XXXX. Loan was transferred from XXXX. The last payment to XXXX was made XX/XX/XXXX. SPS immediately charged me for the XX/XX/XXXX payment even though their date of servicing the loan was XX/XX/XXXX due date XX/XX/XXXX. This immediately put me in arrears 1 month as SPS claimed I did not pay the XXXX payment to XXXX. SPS assumed servicing the loan after I completed a XXXX mortgage ( XX/XX/XXXX to XX/XX/XXXX ) assistance program with XXXX State Housing Authority that allowed me to keep my home from being repossessed. My wife and are both XXXX XXXX. I believe SPS intentionally leveraged the XXXX payment in order to put us in arrears and create another default situation coming off the mortgage assistance program. SPS also charged me a new loan setup fee ( XX/XX/XXXX ) in the amount of XXXX which ballooned my principal amount from XXXX to XXXX once they assumed servicing of the loan. I can not refinance my loan because my credit report shows the principal amount includes the XXXX. Putting me in arrears created late fees. SPS is still charging me late fees even though my mortgage is on ACH and timely.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: EQUIFAX, INC.
State: IL
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:
Equifax reporting errors credit inquirys date XX/XX/2023 companys XXXX Bank / XXXX  and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX  XXXX credit card report first delinquency is XX/XX/XXXX. I thought the first day of delinquent is when the 7 year count down start to remove charge off debt. I was told by credit report agency said XX/XX/XXXX to XX/XX/XXXX is when its one year and so forth. I thought one year is counted from XX/XX/XXXX to XX/XX/XXXX. If the way to count the each year as what credit agency said then it need to be public information. If my way understanding is XX/XX/XXXX-XX/XX/XXXX is counted as one year.

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