BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-08
Company: WELLS FARGO & COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/XXXX I had make a payment on Wells Fargo credit card for some reason the bank failed to process the payment timely as soon as I learned this I contacted bank to sort out why. It was determents that the bank make an error. Then they adjusted late fee and showed account current. Then in XXXX I had to change my payment method. ( bank account # with customer service dept ). I had automatic payments Set up on that account. In about XX/XX/XXXX I saw unusual activity on the Wells Fargo App. I contacted. Customer service again to sort out what was going on... I was told that the account was current and in good standing.. I learned that wells Fargo had been using the OLD account number and my bank had manually put payments through. But they were late because of that delay. It turns out the customer service department did not update the payment information with the automated system. That is why they were using old information. I was then transferred to the correct department to re update the payment information. None of these errors were my fault or was I even advised of status timely for me to correct. Then in XXXX time WF reduced my credit line due to what they called late payments. None of which were my fault or under my control. I have been talking to customer service. the " executive office '' numerous times to get my credit line corrected back to before they arboreally reduced it. I get the run around where one person says my account is in " excellent '' status with NO late payments and the next person says " there is a problem, but they have NO idea what it is and passes the buck to a different person. The executive rep who was supposed to be handling my complaint will NOT return my calls or follow up in any way.. I simply want my account to be restored and ANY negative credit bureau reports corrected.

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 2021-11-16
Company: NRA Group, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX, I sent a certified letter to National Recovery Agency. This company did received my certified mail and failed to validate this debt. 

Name : National Recovery Agency Address : XXXX XXXX XXXX XXXX, PA XXXX Re : Account Number XXXX Amount : XXXX I have requested that National Recovery Agency verify this debt and send me all contracts and documents between myself and them bearing my signature. I don't have or have had any business with this company in the past or currently. Instead of sending me the documents requested. The National Recover Agency committed a clear HIPPA violation. I did not sign a HIPPA form authorizing National Recovery Agency to access any of my medical records. My HIPPA rights and privacy has been violated. This has a severe negative affect on me as a consumer and is in violation of the fair credit reporting act and HIPPA. This company failed to validate this debt and put this item listed above on my credit report which is causing me extreme financial hardship. I demand that this negative information be deleted immediately from my credit files with all 3 major credit reporting agencies not to resurface on my credit file again.

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 2022-10-29
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:
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. 

1 ) Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX ) Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX ) Inquiry : XXXX XXXX, XXXX AN XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX ) XXXX XXXX ) XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXX ) XXXX 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 2021-11-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT. Below are the lists of the erroneous accounts reporting on my Credit Report : PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1400.00} PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3300.00} PORTFOLIO RC ( Original Creditor : XXXX CXXXX XXXX XXXX  ) XXXX Balance : {$3200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20
Company: JPMORGAN CHASE & CO.
State: WI
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 took an Amazon credit card out through Chase. I have been going through a financial hardship the last few months. I tried to negotiate a lower payment with them, they refused me however. So i've just not paid them since I started my new job. Because all of my money is going to other bills. 

So, because I haven't paid them, they call me anywhere from 1 to 5 times in a day now. Anywhere from XXXX XXXX XXXX This is harassment. I'm sick of it. I've told them its harassment. I've told them they're driving me XXXX. I've told them i'll pay when i can, etc. And they still call me, multiple times a day. They just called and woke me up at XXXX  on my only day off this week. 

I am genuinely being driven crazy by their harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent.

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 2021-11-16
Company: SYNCHRONY FINANCIAL
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
SYNCB/XXXX XXXX XXXX XXXX. XXXX, 2021 XXXX ( XXXX ) XXXX See an error? 
Find out how to dispute a hard inquiry Institution Information SYNCB/XXXX 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 2020-07-23
Company: Atlas Credit Company, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
My mother took an unsecured personal loan with ATLAS CREDIT in XXXX XXXX, Texas. In XX/XX/2020 she became XXXX due to a XXXX XXXX XXXX condition. She made XXXX, XXXX, and XXXX Payments with her last two work checks. In XXXX she spoke to ATLAS CREDIT and told them her financial situation and medical condition. She informed them that she no longer had an income and was awaiting response from a social security application. Atlas asked if they could call back in a week to see if the situation has improved. These weekly calls were amicable for about a month. After that, atlas started to call every reference my mother had on her list repeatedly. And when my mother asked them to stop her references because she wasnt hiding from them, she had been upfront and made them aware there was no money. Then my mother was bombarded with calls, voicemails, and text messages from Atlas. She received letters and once again explained in written form that she didnt know how she was gon na pay rent, or utility bills, more importantly how was she gon na pay for her dr visits or medications. That that she has closed accounts at atlas before but this was a circumstance that was out of her control. She told them that calling her repeatedly was embarrassing for her. She asked in written form to proceed with next steps and to stop calling and sending letters that stated you werent forced to get this loan so you need to take care of this matter. Again, how can she pay when she has XXXX income. You cant get blood from a turnip, come on atlas! My mother has to move in with her own mother she didnt have to worry about rent. Atlas has started to come to her previous address on 4 separate occasions, after the second time the owner of the home called atlas and told them The person they were looking for has moved. They ame a third time 2 days ago and the owner called them again told them the same thing and asked not to come back because it has been made clear to them that the person they are looking for has moved. Guess what Atlas went to the same address again today and they were told again the SHE doesnt live at this address any more. This company has basically harassed my mother and now are harassing my cousin who now is renting at her previous address after they have been asked several times cease communication because my mother is trying to survive and live through her medical affliction and a {$130.00} payment is last on her list of worries at this moment. Funny thing is she used to recommend ATLAS CREDIT to others and now Im telling everyone I know to not go to them for any loans. I told my cousin to file a complaint as well because hes told them my mother has moved.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
When I overdraft, Bank of America takes {$35.00} out even though they changed it to XXXX XXXXover a year ago.

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 2023-01-18
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had a mortgage with wells fargo and tried to do a modification. The required me to resend the documents nearly every 30 days for over a year. they then put me in for a trial modification program and both times I made the required payments and was then denied the modification. My home was eventually foreclosed on but in the process I made over XXXX in trial payments. 

I received a letter saying there was an error in the calculation of the attorney fees with a small check but that was it. 

How do I know if I am eligible for more compensation? Am I just supposed to wait for them to see if they believe I was wrong? In my opinion I should at least be eligible for a return of the trial payments. 

I put XXXX down on my house and all of that was lost as a result of the foreclosure and then they turned around and sold the house for over XXXX plus whatever I paid during the time I did pay my mortgage. They benefit much more by foreclosing on me that they would have by giving me the modification which seems to the reason why they never intended to give me the modification although they pretended to be trying.

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 2021-03-01
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I paid my account balance in full on XX/XX/XXXX which was two days before the due date, and 32 days before the new charges were due. The account statement was issued on XX/XX/XXXX with a zero balance. Thereafter, I used the card to make a few purchases, and on XX/XX/XXXX, Synchrony Bank reported the new charges to the Credit Bureaus. Those charges will be paid in full in XXXX XXXX before they are even due in XXXX XXXX, yet I am being penalized with " early '' credit reporting. This card has a 5 % cash back benefit and a 25-day grace period to pay new purchases without paying interest, so reporting new charges " early '' is just punitive to those of us who handle our accounts correctly. I have had this account open for four years and Synchrony has never, to my knowledge, reported new charges " early. '' I was not, to my knowledge, informed at any time that there would be any changes to the way my account would be reported to the credit bureaus. This change and practice seems punitive and destructive to the issuer/cardholder relationship. Over time, cardholders become accustomed to the business practices of each issuer and any negative change in issuer behavior not directly attributable to negative account management on the part of consumers, causes disruption to consumers. Any change in credit score as a result of said negative issuer behavior I consider as damage to my personal financial health. Why would a credit card issuer seek to damage my credit scores and health, while I am paying my account in full before the charges are even due?

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 2021-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX THESE HARD INQUIRIES WERE PUT ON MY TRANSUNION REPORT WITHOUT MY CONSENT ...

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 2023-09-11
Company: EQUIFAX, INC.
State: AL
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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05
Company: EQUIFAX, INC.
State: NC
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
CHILD SUPPORT XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: EQUIFAX, INC.
State: SC
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 writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My daughter received FEDERAL GRANT MONEY for school. On XX/XX/2018, for the THIRD time, the bank has taken that money, which legally is supposed to be untouchable, from the account. Each time, they've charged several hundred in overdraft fees which were only incurred because they WRONGFULLY took money from the account for a credit lien on ME. They are refusing to refund these overdraft charges, despite acknowledging their own error led to them. My daughter has no liens or levies. The federal grant money would be untouchable even if she did. The bank is refusing to give us back money they've essentially stolen. I have tried to remove myself from the account but they are insisting I have to fly back to California to do this and I do not have the funds to do that. They refuse to do it without me physically present. They also refuse to let my daughter close the account. Between the XXXX and the XXXX, they took {$160.00} + {$66.00} in overdraft fees, the second amount being taken AFTER they put the original {$390.00} back in the account, so it was no longer overdrawn when they added those alleged " overdraft '' fees. This is straight up theft. 

The bank is XXXX XXXX XXXX XXXX My branch is the XXXX XXXX branch but it is their legal department that I am having issues with.

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 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX XXXX # /ref # 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.

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 items 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 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 2021-09-29
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX calls me daily twice a day during work hours. Their calls are stressing me out and I am starting to have anxiety because of their daily calls.

Company response to consumer: Closed with explanation