BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-26
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a a unverified account from Choice Recovery Inc. I had previously disputed this account. I have never done business withChoice Recovery Inc. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Choice Recovery IncCease and Desist all further communications and collection activesand  provide the verification of the purported debt. 
I need a physical copy for my records contract, proof of claim,

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: WELLS FARGO & COMPANY
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
From XXXX Wells Fargo consistently charged me overdraft fees resulting in the inability to bring my balance up to a positive balance or even to XXXX  it out. They then charged me fees to close 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
Consumer complaint received 2019-04-01
Company: Synovus Bank
State: LA
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:
After I paid my bill due for XX/XX/2019. I called and the automated system said that I had {$9.00} in credit. A few days later when I called the credit was gone. I spoke with a representative and I was told that after my account was updated to show the credit. I was later given a late fee. The representative sad she would waive it. When I called again the automated system would not even give me any account information. When I spoke with a representative he said that he spoke with a supervisor that again approved the late fee waiver. And that I had {$6.00} in credit. When I called a few days later to check. Again the automated system would give no information. I spoke with another representative ( XX/XX/2019 ) that said I had {$5.00} in credit this time. And that my payment due was {$55.00} or there about. And that my payment sent that day would not post as late. However, when I went online to check none of that information was showing. It showed that my payment was {$73.00} and that I had no credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01
Company: SYNCHRONY FINANCIAL
State: GA
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:
I was contacted by XXXX about a debt supposedly owed to XX/XX/XXXX.  When i asked to validate the debt, the female representative started yelling, threatening to sue me if the debt is not paid. I told her I am unemployed and a XXXX XXXX XXXX, so I am unable to pay the debt. I told her I am currently seeking a part time job, and can pay a settlement offer of {$1600.00} but only if they delete the negative trade line. I am in need of a vehicle to get to and from work, and this bad debt is making it very hard for me to get financed.

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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting 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, 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 extra credit union

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 2018-07-26
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo has my mortgage and my husband refinanced our new home in XX/XX/XXXX with them for an adjustable mortgage My husband died in XX/XX/XXXX and I have consistently paid over the payment required.

They recently adjusted my mortgage my 3.125 to 3.625 and I have a payment of XXXX and made payment of XXXX. 
the original loan was XXXX and new balance is XXXX. 
There have been things about this mortgage which I have questioned but talking to them gets me nowhere, Now this payment they gave me XXXX on principal and rest on interest. I got credited amount over XXXX to principal. 
Never Never Have i ever had only XXXX of the regular part of payment applied toward principal. 
I really believe because I have been paying so much consistently over mortgage amount that things just are not right. My husband got talked into this loan and I remember them saying by paying XXXX over amount due we would knock years off loan. 
. There is something way wrong with this entire mortgage and I do not know what to do?? I can remember in the beginning I had made a payment early and got no money credited to principal and only interest and they told me no one told me to make the payment early. I got no where with them and now I wish someone would review my payments and the practices of Wells Fargo mortgage, I really believe Wells Fargo has some questionable practices and I realized my husband consented to this mortgage but something is wrong and I need help. 
I do remember they wanted to increase the amount and I told my husband no way because mortgage total due would be more and we did not do that.

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 2018-07-26
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
Hi, I have been called American Express reward card service to add 2 additional card holders in mid XX/XX/2018. I have been informed that upon adding them via phone I will be getting the card for them and XXXX points for each card holders. I have been provided personal information of my parents including passport numbers. After several weeks the cards did not arrived and I called back. I have been told that there was no audit trail of my request and this was confirmed also after an additional investigation. None apologise or try to solve the issue. It is so scaring that I have provided Amex with personal information and none recorded the call or the request. I am really scared. this is not the way my data or the data of my parents should be used.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17
Company: Experian Information Solutions Inc.
State: TX
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 XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 with out 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 2023-07-18
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Our hardship was caused due to income and illness. We have been trying to resolve this issue and we keep getting denied. On XXXX XXXX, 2023, my agent submitted for a modification. It was under review and in XXXX XXXX, 2023, denied due to unable to come up with an affordable payment. My agent spoke to the relationship manager and they tried to submit for an exception on XX/XX/XXXX, we were advised that it was denied due to CFPB guidelines. They could not explain what this meant and i still have not received a denial letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: EQUIFAX, INC.
State: MI
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:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
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: Information belongs to someone else

Complaint:
The XXXX XXXX XXXX is reporting on my Experian credit report It was opened on XX/XX/2021 I never opened this account did not authorize for it to be open.

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 2023-09-24
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I AM BEGGING TO REMOVE AND BLOCK THIS AS I HAVE CONSISTENTLY REQUESTED THIS FOR SEVERAL MONTHS AND ASKING FOR THIS TO BE UPDATED.IT 'S REALLY FRUSTRATING NOTHING 'S HAPPENING FROM WHAT I DISPUTED SINCE THEN

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 2018-07-26
Company: Self Lender Inc
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I started a self lender acct in XX/XX/XXXX for credit improvement. I agreed to pay {$50.00} monthly for 12 months, any the end of the 12 months I would get my money back, in the meantime each month when payments are mad it is reported to all 3 credit bereaus as positive reporting. On XX/XX/XXXX I received an email stating my acct has been closed, and I was notified my credit score dropped 120 points. When I contacted self lender they stated they would need to look into it, as I did my research I realized once my checking acct was closed due to fraud the payment did not automatically go through for XXXX. Self Lender reported that I had not made a payment since XX/XX/XXXX to all 3 CRAs! This information is inaccurate, and is currently and drastically effected my credit score. I have contacted self lender 5x and it has been over a month, and yet they still have no answer, and I was told they are working on the issue with their banking partners. This needs to be fixed ASAP or I am seeking legal representation!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: Experian Information Solutions Inc.
State: GA
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:
Initial Dispute sent via certified mail was received from Experian Dispute Center for XXXX XXXX   XXXX collection Item for {$500.00} on XX/XX/XXXX via certified mail. 

Report # XXXX This report states the credit item XXXX XXXX XXXX was deleted and removed from credit report. 

I noticed on XX/XX/XXXX that this item reappeared or was re inserted on my credit report by Experian through my credit monitoring service. 

I contacted Experian on XX/XX/XXXX via certified mail to remove this item from my report since the FCRA states that the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion which in where i was never notified of reinsertion and why. 

Report # XXXX I received a reply from Experian on 6/18/18 with an updated report showing the XXXX XXXX  XXXX collection which still remains on my credit report. The status of the collection reads that " this item remains unchanged from our processing of your dispute in XX/XX/XXXX. '' This statement is inaccurate because this collection item was in fact deleted from my dispute inXX/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 2018-07-26
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or went to a wrong address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting 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, 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 acceptance 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 2023-02-27
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account # XXXX Balance Owed {$5500.00} Account # XXXX Balance Owed {$5500.00} Account # XXXX /Balance Owed {$5500.00} Account name : XXXX Account # XXXX Balance Owed {$7900.00} Account # XXXX Balance Owed {$7900.00} Account # XXXX Balance Owed {$7900.00} Account name : XXXX Account # XXXX Balance Owed {$0.00} Account # XXXX Balance Owed {$0.00} Account name : XXXX Account # XXXX Owed {$120.00} Account name : XXXX XXXX Account # XXXX XXXX Balance Owed {$110.00} Account # XXXX Owed {$110.00} Account # XXXX Owed {$110.00} Account name : XXXX XXXX XXXX  Account # XXXX Balance Owed {$3500.00}, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I previously placed a fraud alert on my credit profile. I have submitted documentation twice to the bureau to ask for the fraud alert to be removed however it remains. I have attached proof of identity to this complaint including a picture of my photo ID and social security card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: EQUIFAX, INC.
State: RI
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:
On XXXX/XXXX/XXXX I met with XXXX XXXX XXXX ID XXXX. She ran my credit via a hard inquiry without my authorization/permission. My credit report has been negatively affected due to this. Please contact the bank and have them remove/reverse the credit inquiry. I have filed a complaint with the bank CASE # XXXX. 

I am completely displeased with the bank and the employees negligence to my personal data and social security # Never do business with citizens bank ever again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: CA
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:
Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/2023 : {$21.00} interest charge XX/XX/2023 : {$22.00} interest charge XX/XX/2023 : {$21.00} interest charge So, my Bank of America Unlimited Cash Rewards Card was and had been interest-free for years now. At some point, they started charging interest on it. Thats fine, but why hide each monthly charge from the list of transactions on my BofA banking app??? Usually, when there is an interest charge, it shows up in the list of transactions, alongside the purchases and charges one would put on the card for food and bills, etc., but nope, Bank of America wants to be shady and not show interest charges where customers can see them. I had to check my monthly statements because I noticed a change in my credit card balance amount when I hadnt charged anything to it in a while. In the XXXX monthly statement, turns out I was charged interest of {$21.00}. I will include a screenshot, but I did not see the interest charge in the transactions section in my banking app. I checked back to see when they had started charging ( and HIDING the transaction ) me interest on this card. In the XXXX statement, I was charged {$22.00} ( and of course it did not show under the credit card transactions along any purchases that I wouldve made ). And then back in XXXX, {$21.00}. I am complaining about this because my other BofA credit card actually shows me any interest charges and fees alongside the transactions of my purchases. I am lucky that I am more technologically literate. People with language barriers and people who are impaired or older and not technologically literate are getting hurt by these abhorrent business practices. I have had a negative experience with Bank of America customer service before and their customer service phone number is impossible to locate, and then when I found it, I am unable to speak to a real person and instead I am left frustrated with an automated voice. Real, working people do not have the time or patience or energy to be dealing with this. Money is money and businesses need to be fairly earn it, and not by being deceptive. They deserve to be called out and reprimanded for hurting millions of consumers.

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 2022-02-07
Company: Halsted Financial Services, LLC.
State: CO
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 received many phone calls from the company Halsted Financial Services with the phone XXXX, located in Illinois, XXXX XXXX XXXX XXXX Il, XXXX but with a phone from Colorado XXXX, calling me insistently charging me {$4900.00} from a company that I have no idea who it is, what it is, they only located my name with that debt, which is NOT mine, therefore I ask for your help that I have to solve the problem. How they STOP to asking for collect money.

Company response to consumer: Closed with explanation