BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-06
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Discover has an outage in which payments are denied and the phone lines are down, but they havent admitted they have an outage. Its being going on for several hours. XXXX and the XXXX XXXX  are the only two info sources since the discover card folks responding on XXXX are pretending they dont know there is an outage. Their phone lines have a busy signal. This is affecting at least 5k customers based on people who have bothered to make a report at XXXX. But discover has made no official announcement or let folks know that their card isnt going to work if they try to use it. I was really hoping for groceries today.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: WELLS FARGO & COMPANY
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 status incorrect

Complaint:
I wasn't completely clear in my first complaint and resubmitted complain for which I'll be now. 
My concern isn't whether I paid late or not. This isn't an attempt to have my credit records cleaned up and bad information removed due to my own responsibility to pay on time, but a claim to have the company rectify its mistake and remove two 30s days late payment reported to the major credit companies because company didn't get in touch with client ( me ) to inform I was a month behind when making my monthly payments and had used excuse I opted out from being called by phone. But, letter communication, statements, robocalls, emails, still exist and company didn't comply to use them. The company put me under do not call list and claim not to contact me to address my late payments issue because of this very reason. I did not ask them to put me in such list and I did not want them not to call me, for which I'm communicating with the company to resolve this issue, all damage that has caused me and to my credit file. I'll be contacting the attorney office, plus I'll sue the company for their mistake in all possible ways. I'll gather all help I need to further assist myself in such matter to get the result I'm seeking due to their miscommunication and company ethical function and/or operational process with all customers.

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 2018-12-23
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received a 0 % rate on promotional checks from Chase credit card. I used {$530.00} to write myself a check and deposit to our XXXX account to buy a powered bed base for my XXXX  XXXX. After I bought the item, Chase blocked my XXXX  XXXX XXXX the funds coverage, so XXXX  XXXX XXXX just took the funds out of our bank. Chase 's reason was because the checks they sent didn't match the chase card #. The reason it didn't match is cause they're always sending a new card out, but it's still all on my account. Their final reason : that promotion is not offered on the new card ... .even though it's NOT a new account, just a credit card issued with different numbers. So I knew they got me, I used the {$530.00} then they backed out of paying for it even though they knew the new credit card was still using the same account. XXXX   XXXX always updates our cards, and occasionally sends us promotional checks, but they never gave us a lame excuse the checks did not qualify for the promotion just because the debit or credit card numbers changed! I'll be reporting them to the Federal Trade Commission as well, pay off the account, and close them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: AFNI INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
These are some reports I would like to remove from my report both XXXX  and XXXX. Im a poor hardworking XXXX  and my car got stolen back in XXXX with all my documents and valuables and I suffered a major loss. Kindly I want assistance in removing all this stuff from my reopening and cleaning it as Im really XXXX  and due to these collections I can not get a place to rent or a 1BR apt . I really appreciate your assistance and cooperation in removing these items from my report and closing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
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 status incorrect

Complaint:
IN XX/XX/2013 I VOLUNTARILY SURRENDERED A XXXX XXXX XXXX SEMI BACK TO THE LEASING COMPANY THE TRUCK HAD BEEN PREVIOUSLY WRECKED, NEVER SHOULD HAVE BEEN SOLD I PAID THE COST TO RETURN IT TO LEASING COMPANY THE TRUCK WAS REMARKETED AND SOLD ALL BALANCES WERE PAID IN FULL I HAVE DOCUMENTATION SHOWING {$0.00} BALANCE PAID IN FULL EXPERIAN SHOWS IT AS REPOSSESION AND MISSED PAYMENTS ALL OTHER CREDIT BUREAUS SHOW VOLUNTARY SURRENDER AND ALL PAYMENTS MADE.. {$0.00} BALANCE PAID IN FULL AND REMOVED AS A CLOSED ACCOUNT REPEATED REQUESTS WERE DENIED BY EXPERIAN TO RESOLVE THIS MATTER I'M ASKING TO HELP RESOLVE MY CURRENT CREDIT DENIALS DUE TO THIS ONE CREDIT REPORTING AGENCY

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 2019-10-22
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have found out the hard way that zelle doesn't have payer protection. I met this guy on XXXX  and was moved onto XXXX chatting about a product that I wanted to buy off of him. I ended up paying him {$300.00} and havent heard from him since. So I searched up if there was a way to get money back from Zelle and turns out you cant.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: Experian Information Solutions Inc.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Thank you for taking the time to read the complaint. After reviewing all credit reports XXXX XXXX placed a collection on the credit report from XXXX. I am requesting not a bill, however a signature to validate and possible contract.

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 2018-06-21
Company: EQUIFAX, INC.
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : 30 DAY LATE - XX/XX/2014 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: Kriya Capital, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I live in XXXX and received 2 collection notices from Credence Resource Management LLC for debt that is not mine. The original creditor is XXXX XXXX XXXX from XXXX XXXX, XXXX. One was dated XX/XX/XXXX for a total of {$7200.00}. The other letter was dated XX/XX/XXXX for a total of {$4200.00}.

I have never been to XXXX in my entire life. This debt is not mine, please help!

I mailed 2 certified dispute letters today XX/XX/XXXX to both locations listed for Credence Resource Management. One mailed to XXXX, XXXX and the other to XXXX, XXXX. 

Thanks in advance for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX SSN : XXXX | DOB : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX In Collection Opened on XX/XX/XXXX DISPUTE REASON : ACCURACY : UNVERIFIED ACCOUNT, UNVERIFIED LATE PAYMENTS. 
THIS RECORD CONTAINS MULTIPLE INACCURACIES. PLEASE VERIFY THE ACCURACY OF ALL DATA. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX ) XXXX # XXXX In Collection Opened on XX/XX/XXXX DISPUTE REASON : ACCURACY : UNVERIFIED ACCOUNT, UNVERIFIED LATE PAYMENTS. 
THIS RECORD CONTAINS MULTIPLE INACCURACIES. PLEASE VERIFY THE ACCURACY OF ALL DATA. 

Please remove all non-account holding inquiries over 30 days old. 
Please add a Promotional Suppression to my credit file. 


Thank You, Sincerely : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
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:
I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX  XXXX {$470.00} XXXX   XXXX {$20000.00} XXXX  XXXX {$13000.00} XXXX XXXX {$2500.00} XXXX   XXXX {$25000.00} XXXX {$68.00} XXXX   XXXX {$2000.00} DEPTEDXXXX   XXXX {$8900.00} XXXX {$700.00} DEPTEDXXXX XXXX XXXX XXXX DEPTEDXXXX XXXX {$3000.00} DEPTEDXXXX XXXX {$4500.00} XXXX XXXX {$6000.00}

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 2018-05-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am trying to understand what is going on what the payments to this account. My account is set up for auto-debit. The amount to be debited was supposed to have been calculated by XXXX to include the accumulated interest between payments. I am reviewing the payments made relative to the accumulated interest, particularly for XX/XX/2017, and see that the interest amount kept accumulating despite the monthly payment amounts exceeding the monthly interest accumulation. I don't understand how this is possible, especially since I am now learning that this loan is re-amortized on a quarterly basis. My loan statements indicate the monthly payment was being entirely applied to interest, and yet the interest kept going up, in some cases by hundreds of dollars in-between months. 

I have previously asked for the terms of my loan agreement, specifically that part that addresses interest rate calculation, amortization, and other pertinent terms to the calculation and pay-off of my loan. My monthly loan payment was changing, and I did not understand why this way occurring. I even went through the CFPB in an attempt to obtain the relevant documents. CFPB closed out my case after XXXX responded, and did not provide me an opportunity to indicate whether the information provided addressed the issue. XXXX responded that the monthly payment changed due to changes in my interest rate. However, to date, I have only received a two-page promissory note, but nothing with the loan interest rate or calculation formula. I have requested this information so that I can review it. I do not have a problem with paying an owned debt ; however, I would like to know how the debt is determined so that I can make informed decisions as a consumer on how best to resolve the debt. This issue is only occurring on my CitizenBank student loan serviced by XXXX. Each time, both entities keep telling me I need to go through the other party for the requested information, resulting in me not being able to obtain the information from either. Attached is all of the information I have received from either party relating to the terms of my loan. The document DOES NOT address the loan terms, but simply defines ( incompletely as terms are clearly missing ) them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have a charge of XXXX deducted from my debit card from experian credit reports on XX/XX/2020. I didnt authorize or Sign up for this. Therefore i want it off my Card asap!

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 monetary relief
Consumer complaint received 2018-02-22
Company: EQUIFAX, INC.
State: NY
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 as incorrect information on my credit report that they need to update

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
After being a loyal customer of XXXXXXXX XXXX and a XXXX XXXX American Express Credit Card holder, I had to close both relationships due to a terrible experience with XXXX 's property at XXXX XXXX XXXX. I received an email confirmation stating that both had been closed accordingly. Then standing transactions began to post to the account again. When I called back in I was informed that the " partner '' had reopened my account. The Amex agent couldn't tell me who or why so I have to assume that partner equates to XXXX XXXX. I requested that the account be closed again and demanded an explanation of how this could have happened as this doesn't seem legal. I was told by Amex that they would submit my case for investigation and I would hear back. They sent me a message to a secure location that is no longer active since my account is closed. I haven't received any calls or emails with an update on the situation. 

Neither of these companies seem to care about how they conduct business.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: Experian Information Solutions 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:
This complaint is in reference to information in my credit file. I recently received a copy of my credit report that Experian, XXXX or XXXX publishes and after reviewing it I found a number of items on my report that are inaccurate. Im terribly upset after finding out that my report shows a series of erroneous items. 

I understand that Experian, XXXX or XXXX should not be allowed to put an inquiry on my file unless I have authorized it. My credit reports showed credit inquiries that I did not authorize. I also have Extended Fraud Protections/Alerts placed on my credit files with my phone number listed requiring I be notified before my credit is accessed, that did not happen. 

The only inquiries from companies that should have had access my credit report are the following companies that I have authorized which are : XXXX XXXX, XXXX, XXXX and XXXX XXXXXXXX for my home loan. 

These multiple inaccurate reporting practices has caused me to be denied after applying for new credit lines & is ruining my financial stability. This is unacceptable & they are obligated by law not only to correct what is erroneously reported, but also to remove what should not be in my credit report. Time is an important matter to me, and each and every one of the items listed below needs to be removed. 


The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Please have the credit inquiries that are listed below removed immediately from my credit file as they are unauthorized and are related to none of the aforementioned permissible : XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) *This inquiry is 2 years old. 
XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXXXXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) Please remove all non-account holding inquiries from my credit report immediately as they are unauthorized!. 


I recently received a copy of my credit report from Experian, XXXX or XXXX   and after reviewing it I found a number of items on my report that are inaccurate and unauthorized. 
I have a Fraud Protection on my file so those inquires were not authorized by me. 
I advised Experian, XXXX or XXXX, to no avail.

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 2020-11-06
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am behind on my mortgage due to COVID-19 related hardship- change in pay, increased and unexpected expenses, etc. I have been contacting my servicer ( Fay Servicing ) by phone since XXXX and they have consistently failed to provide me with accurate information about the status of my account. For example, in XXXX they still had not updated my payment forbearance for XXXX ( so my account showed that I was 60+ days in default, despite the representative telling me that the forbearance was approved ). Last month they mailed me an extensive application and demanded several financial documents from me, in order to provide the forbearance assistance. I emailed my account manager and asked her why all the documents were required, since, according to what I have read in the CARES Act, XX/XX/XXXX owned mortgages are supposed to be eligible for forbearance assistance without the need to provide any additional documents. The account manager did not reply, so I emailed her again the following week. She did not reply then either. This week ( close to three weeks after my first email regarding the forms / documents ) I received a letter from the servicer that seemed to be an escalation on my late payment status. The letter was " hand '' -delivered, taped to my door. The same account manager 's phone number was listed on the letter and I called her immediately and left her a voicemail message with my account information. I never received a call back. I called again and left another message, which was not returned either. Today I called and asked for a different account manager or servicer, and the account manager I spoke with basically said that they require the documents and that was that. I asked her about whether she was familiar with the CARES Act and the stipulation on requiring documents, she said yes, but could not give me any further explanation as to why they were not complying with that. 

I am extremely concerned about how they are reporting the missed payments and whether they have started any forclosure measures. I am also concerned about how they will handle my upcoming payments- whether they will be applied to late fees first, how the payments will be reported to the credit agencies, and whether they will impose any other penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX {$24000.00} XXXX   XXXX {$3400.00} XXXX XXXX {$390.00} XXXX XXXX {$0.00} DPTEDXXXX XXXXXXXX {$5500.00} XXXX {$10000.00}

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 2018-05-03
Company: EQUIFAX, 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:
Prosper account on my Equifax still shows a balance of {$5000.00}. This prosper account has been paid in full and should show a balance of {$0.00}. Please correct this issue immediately.

Company response to consumer: Closed with explanation