BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-15
Company: EQUIFAX, INC.
State: GA
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:
XX/XX/XXXX, I got laid off from my full time job at four months pregnant with my XXXX child. My spouse was not a legal resident of the United States, therefore he had to stay in his Country while all the legal paperworks were being processed on his behalf. My mother was mighty ill at the time trying to fight the life stealer XXXX and I was her sole caregiver and refuge of strength while fighting this XXXX. I was able to complete my course towards my Bachelors in XX/XX/XXXX. I gave birth to my daughter in XX/XX/XXXX. Now, I have to be caring for my newborn and my mother while doing job interview etc to get back on feet, it was not an easy task but I tried my best. With all financial factors I was facing I reached out to XXXX before my grace period end and they did not give me extra time or nothing to alleviate all that was happening to me. When it came to the time for me to repay the loan, my monthly payment was more than {$500.00}, I could not pay that. My mom passed away XX/XX/XXXX and I inform XXXX and begged for some leniency and they made it clear that there was nothing that they could do. I was willing to give them copies of my Mom hospital bills and death certificate because I was that desperate and they just didnt care. I didnt have the money to pay so I end up being late on my payment. This is not something that I proud of, this is something that I had XXXX control of. So now I have one negative mark on 22 loans with XXXX, which messed up my credit, because my report states that I have been late on a loan 22 times. If people at XXXX had a XXXX, they could at least ask me to show proof of my situation, which I could. I sent a Good will letter to the CEO XXXX XXXX, informing him of my situation begging him to remove the negative items so I can get back on my feet as a single trying mother. He had a representative call saying, they cant help me. This organization, has XXXX remorse for people. We are people! Not a target or goal. My loans are now consolidated on always on time never missed a payment, but those negative marks still remains. Earlier this year, we had a Government shut down and I was affected as a government contractor, I reached out to the CEO XXXX XXXX again, begging to remove the negative mark so that I could be approved for a loan, so as to help my family through that period and these cold hearted people called to say that they could not help me. Nothing has changed with XXXX. XXXX XXXX email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I purchased several items with XXXX and opened an account with XXXX. I've had several issues with this credit card company. They are very focused on charging additional fees and not working with customers to pay off their balances. The latest issues I had with them are : 1 ) A late fee that was assessed on my account even though I tried to make the payment on the due date but received an error. I paid the very next day and then called to explain the situation but received no assistance at all. 

2 ) A Promo finance charge : I was charged a promo adjust fee on an item where I was led to believe that the monthly payment calculations are calculated with the promo period taken into consideration so if you make you payments regularly you should be to take advantage of the promo but it turn out to be that when you buy several products the monthly payment is calculated off the balance only.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-12
Company: Early Warning Services, LLC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Early Warning is reporting my open active accounts with XXXX XXXX XXXX. Ifeel it I violation since they report my direct deposit information an d open active saving accounts. They are reporting purged and closed account that can not be verified or proved. They are reporting repeats of my open active account with XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Our Bank, PNC Bank,XXXX XXXX XXXX XXXX XXXX OH, has been waiting 15 to 20 days from the time our bills are paid, to the time they actually pay them. We found this out through the electric company, water, and cable services we pay on a monthly basis. This has been happening starting in XX/XX/XXXX, and going through XX/XX/XXXX. One such delay caused our water services to be disconnected. THEN they said we were {$160.00} dollars overdraft, and charged us an additional {$300.00} in fees!!!! 
The date the fees were imposed was XX/XX/XXXX. We have no written documentation yet on these fees - the were just taken out of a deposited check on this day. Something is VERY shady here.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
bank chargin excesive fee holding or frezaen checks and not having money available close my account without letting me know causing direct deposit rebound and making me be behind on my bills

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 2022-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 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 XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-15
Company: AMERICAN EXPRESS COMPANY
State: MI
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:
I applied for an Amex Business Gold Rewards card on XX/XX/18. I was approved later that same day. 

The application was advertised with a sign-up bonus offer of XXXX points for spending {$5000.00} within 3 months. 

I received the card, activated it and spent over {$5000.00} within the aforementioned period. I reached out to Amex today as I had not received the sign-up bonus, and told the bonus was denied. 

I note the following : 1. I have never held this card product before, 2. I  met the minimum spend as per the advertised offer, 3. I did not receive a " pop-up '' upon application indicating to me that the sign-up bonus offer was being denied, 4. At no point did Amex proactively tell me that they were denying the sign-up bonus. 

Based on this information, I made the minimum spend requirement and expected the sign-up bonus. Only upon inquiring why the sign-up bonus had not yet posted, was I told that it was being denied. 

I consider this a bait & switch action on Amex 's part.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I bank with chase about 2 months ago my account was compromise the bank failed To contact Me they let somebody go in the bank and put a {$900.00} check in never detected it was fraud as result of that they closed down my college Account due to them not doing there job to protect my account and they failed to give me back my college account when costing down the old account so now have to pay {$12.00} maintenance Fees which I feel its not fear since they didnt protect my account. I think I should have got another college account because thats what I had before my account was compromised its not fear to have someone have to pay {$12.00} a month when I was paying {$6.00} a month I feel that I was done wrong they never protect my account they let someone go in the branch and put a {$900.00} check in. Never ever said nothing only way known was checking the account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-19
Company: Asset Management Outsourcing, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was seen at XXXX XXXX XXXX in XXXX XXXX, GA in XXXX. I told the hospital I had insurance through XXXX. XXXX XXXX XXXX ( XXXX ) is claiming I didn't tell the hospital. It makes no sense for me to have gone to a hospital and not tell anyone I had health insurance.. 

The hospital went bankrupt and shutdown without ever sending me a bill. Since XXXX the hospital has gone through a couple of different owners. I never received a bill or anything regarding disputing this debt. I did not know about the {$3400.00} bill until it appeared on my credit report via XXXX XXXX XXXX in XXXX. They only sent a letter after I called, but claimed they sent one before that. My insurance company refuses to cover the claim because it happened over a year ago. The hospital should have notified my insurance. I should not be liable for nearly such a large sum of money due to a mistake of a bankrupt hospital from years before and a credit service not properly notifying me. There is no excuse for it to have taken so long to show up on my credit report to begin with. If someone had let me know within one year my insurance could have covered it but now it is too late. 
I had to call XXXX XXXX XXXX multiple times to even get someone to pick up. The first time someone picked up they were having a personal conversation with a friend and hung up. I am seriously concerned about the lack of professionalism and these people having my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: Diversified Consultants, Inc.
State: GA
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:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XX/XX/XXXX Re : Disputing errors on credit report I am writing to request a correction of the following information that appears on my XXXX, XXXX, and XXXX credit consumer reports : Dispute : [ Diversified Consultants INC -  on behalf of XXXX ] I have reached out to both XXXX and now Diversified Consultants on XX/XX/XXXX more than 30 days ago in regards to providing me with a itemized bill or agreement for this account. I also initiated a dispute through XXXX and XXXX XXXX. I have no recollection of establishing an account with this provider. It has been over 6 months. I have not received any proof of establishment of this account. The first outcome was a balance decrease. from XXXX to now XXXX. The second dispute result left comments on the bottom of my credit report that states that I am disputing this account. 


Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: EQUIFAX, INC.
State: VA
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 XX/XX/2018 I disputed enormous accounts on my credit file, on XX/XX/2018 I received a letter back from the credit reporting agency stating the debt was verified as accurate. After much frustration I then sent in a letter requesting the method of verification used to identify these enormous accounts as indeed belonging to me. I clearly stated my right according to FCRA and also asked for names, address, and phone number of the furnishers they spoke with, I also that they respond within fifteen days. I sent my letter through certified mail and it has been well over 15 days since they have received it without any response from the credit reporting agency which I believe is a complete disregard to comply with the FCRA laws. 

Update : I received a letter in the mail about 30 days after I requested a method of verification. It was the same exact letter that was sent to me when I first disputed the accounts. Saying they opened another dispute which I didnt ask for and that the accounts again are verified as accurate. Please help me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: HW Holding, 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:
It has been deleted off XXXX and XXXX but XXXX is still reporting false information and harassing and calling and sending letters and keeping false inquiries that are not verified and accurate to my credit report! I have disputed over and over again and they are refusing to deleted these false things off of my credit report and sold false information to the credit bureau without my permission and false information and did not re investigate but instead constantly sending letters and it had caused me financially a lot of money and denials due to fraudulent accounts on my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: WELLS FARGO & COMPANY
State: MN
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:
Greetings, Ive sent several faxes, emails, and postal service mailing to Wells Fargo requesting they correct incorrect information on my credit report. I was told that if I paid off my debt by a personal banker if I paid off my debt they would removal all late payments and show it as noting or as paid on time. This was said in the context that they were sending my statements to the wrong address and wasnt notifying me properly about a debt I owed them.

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 2019-03-15
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our house had smoke damage to the dwelling and fire damage to landscaping and fence related to the XXXX fire on XX/XX/2018. My insurance company made checks for XXXX payable to myself and OCWEN for the repairs. OCWEN has been holding on to the funds and has very intentionally slow walking the process of getting funds so we can make repairs and refund for the repairs we already made. My wife has XXXX and she is being physically harm by their systematic intentional delays as she has to choose to live in our house or incur extra cost for alternative living location. 

We have already drain our life saving to make the repairs we have already made. I have had to pause the repair while we wait for OCWEN to release my fund that they are holding. 

We had an inspection on XX/XX/XXXX for the property hire by OCWEN. the inspector says we are easy more than 50 % done with the repairs. The OCWEN rep says they are having known system issue in obtaining the inspections report. In the mean time we are greatly suffering from the intentional delays.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was the victim of a check deposit scam that included transferring money on the Cash App platform from Square Inc . I applied for job, for which I 'interviewed ' and was 'accepted '. As part of the scam, the criminal sent me a check on XX/XX/2020 for XXXX USD which I was instructed to deposit in my account ( I did on the same day ) and make a transfer to a 'vendor ' for XXXX USD, who would provide me with materials necessary for the job. I used Cash App to make the transfer on XX/XX/XXXX. After I made the transfer, the check was rejected by my bank because the bank that had issued the check did not recognize the account number on the check ( XX/XX/XXXX ). I alerted Cash App to the scam and requested to file a fraud claim against the recipient ( an account clearly belonging to the perpetrator of the scam ). Not only did they refuse to refund me for the fraudulent transfer, they didn't even have a process by which I could file a fraud claim with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Experian Information Solutions Inc.
State: MO
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/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 2018-03-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent a request for validation for the {$120.00} they claim I owe them, they received my initial letter on XX/XX/XXXX. They didnt reply in a timely matter. They sent a letter dated XX/XX/XXXX which I received a week after XX/XX/XXXX. The XXXX XXXX stamp on the envelope of the letter I received is dated XX/XX/XXXX and the envelope of the letter is stamped XX/XX/XXXX, both dates XX/XX/XXXX and XX/XX/XXXX are outside of the 30 days they have to respond. Also the didnt furnish the credit bureaus with a notice of dispute on my account. I sent a letter to the CEO XXXX XXXX explaining all of this and told him his company needed to delete it form my credit reports but he choose not too.

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 2019-02-19
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been going back and forth with Navient, as well as a dirty tactic collection firm named XXXX and XXXX, as per the XXXX XXXX Courts reps I have spoken to. I currently have XXXX private student loans showing on a record pulled by my credit union that are showing as court based judgements, even though I have worked with Navient to get these corrected. I spoke to a rep in their executive services office who worked with me to get them out of the judgement/collection, supposedly out of the office of XXXX and XXXX and off my records. I was illegally garnished for almost 2 years and this was lifted based on Navient FINALLY pulling it. Once pulled, they told me they would be off my record, back in their office and out of XXXX and XXXX, which none of these things have happened. I still have them on my records, have been unable to defend loans which ARE NOT mine and they are still illegally listing them under judgements, which they said would be lifted. I was never served papers in order to defend myself, never given my day in court to force them to prove they are all mine ( Which most are not ) and Navient has failed to live up to promise after promise to fulfil what they said they would. They consistently state " Under court terms '' and throw these complaints out, which is unfair to me. If they are not pushed to follow their own terms, I will be forced to join some class action lawsuit against them for their lying practices, when all I want are these off my records. These are causing me to be unable to buy my mothers home, which was offered to me and are causing me irrefutable damage.

Company response to consumer: Closed with explanation