BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Well onXX/XX/XXXX to bank of America customer service to talk about putting a stop payment on a future transaction. My wife was told that the stop payment fee would not be taken out of our account unless the company would try to present the transaction. As it was not an agreed amount by the company.my wife agreed to have the stop payment put in place with being told it would not be taken out of our account unless it was presented as our account only had XXXX dollars in it also was not informed that the stop payment could not be stopped and then the bank takes out the {$30.00} non stop payment putting us into overdraft. We called customer service on XX/XX/XXXX at around XXXX XXXX  to be told it could not be reversed and that since my wife agreed to the stop payment even though was told that it not be taken out right away was mislead by the bank and then the supervisor gets on the line saying I need to talk professional to her as she was not listening to me jerking me around. And then refuses to talk to me saying I am not being professional then hangs up on me talk about not being professional and do not appreciate being mislead and hung up on been a customer since XX/XX/XXXXincluding time I was in Missouri to be treated this way and totally being mislead and then saying if its not in the positive by midnight another XXXX fee be added very unacetable and not right misleading us and us agreeing to the terms presented to us then to have them changed on us talk about not being professional then saying another XXXX dollars be added if not in positive before midnight. Talk about very poor customer service and do not like being mislead and lied to.

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 2023-05-11
Company: EQUIFAX, INC.
State: VA
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 name : XXXX XXXX Account name : 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 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 2018-08-03
Company: Diversified Consultants, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an alert from XXXX XXXX that there was a debt in collections listed on my report. When I checked it out, it said I owed money to Diversified Consultants in the amount of {$1200.00}. I have no knowledge of this debt, have never done business of any kind with Diversified Consultants, and am requesting this be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
Company: FIRST NATIONAL BANK OF OMAHA
State: FL
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
Identify theft XXXX XXXX used my address to route my mail and get personal information to open credit cards and finance a car

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 2015-04-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I asked my bank, JP Morgan Chase & Co to close my deposit accounts, and open new ones because of Identity Theft I was dealing with, and suspicious charges posting to the accounts. When the bank never did this, I disputed certain charges made with the XXXX Debit Card associated with the account, which is a common and encouraged practice. The company subsequently, retaliated against me, and closed my accounts, saying I was at fault, despite my previous attempts to fix the situation. I have credit accounts with the company which have always been in perfect standing, and was a valued Private Bank customer, until this incident, which I believe was not appropriately dealt with despite my efforts. Now I am listed with my banker to not open deposit accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: JPMORGAN CHASE & CO.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I started to invest through XXXX XXXX ( XXXX is the operating website of XXXX XXXX, a registered trading company at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and the XXXX, Reg. No. XXXX ) since XX/XX/XXXX. I have invested for a total amount more than XXXX XXXX ( XXXX XXXX and XXXX XXXX XXXX uros ) in XXXX, XXXX XXXX, XXXX and XXXX. In the starting everything was going on smoothly. When I requested to withdraw some money problems started since XX/XX/XXXX. 

2. The team, with whom, I was in touch become suddenly silent. 

3. There is serious problem in their organization. I have been sending mails and chatting with their several officials and team members. So far my issues are not yet solved since XX/XX/XXXX and it seems they purposely not willing to. 

4. My requests of withdrawing are purposely stopped and they have simply suspended my account. 

5. I would request your services to look in the matter and help me to get back my dues. If need be, I can provide you the proofs of fund transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: Critical Resolution Mediation LLC
State: TX
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:
MR. XXXX calls and tells me he is with the legal department. Claims to have a check that I issued and left them with. I have never issued them a check. In XXXX I told him I have an account with XXXX  XXXX, infact I have 2 other credit cards with them thru XXXX XXXX which is owned by XXXX XXXX as well. Therefore If I owed XXXX XXXX, why would they turn around and issue me 3 more. I have asked him to STOP calling me. He continues to call from this number XXXX. Today I called back and the lady that answered pulled up my number and said " I apologize for the call, I see we have you on the do not call again list ' disregard the call. Then about about 4 hours later I get a call from MR . XXXX from XXXX, I got 3 calls from there and answered to find it was him again, threatening to take legal action, threatening to come to my job or home to serve me. At first I didn't know it was him, I told him what are you talking about and he said This is MR. XXXX, you called the collection agency this morning did you not! I then realized it was him and once again I said STOP CALLING ME! And I hung up.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
There were 5 inquiries made on my account on XX/XX/XXXX. I did not authorize all of these inquiries and they subsequently lowered my score. There were 3 more made on XX/XX/XXXX. I did not authorize all of these. I had to file bankruptcy a couple of years ago and I am trying to rebuild my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: AES/PHEAA
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
The lender is completely unwilling to make any adjustments to my interest rate to make my payments more affordable. They use a third-party service called XXXX to collect on the loan when it becomes a day late and that service helps me with a payment that is more affordable but the main lender refuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
transunion fail to investigate my disputes

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 2019-03-08
Company: Community Health Investment Company, LLC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I was rear ended in a car accident on XX/XX/2019. I went and received medical attention on XX/XX/2019. I filled out of the form with information from the other insurance company. Today on XX/XX/2019, I received a certified letter in the mail from a collection agency named XXXX XXXX XXXX XXXX, XXXX TN stating they put a lien on my house for medical bills unpaid. First of all, I never received a bill from the hospital to pay anything. I called the other parties insurance company and they stated they never received any bills from the hospital. So the hospital never sent out any bills but immediately turns it over to a collection agency who states they filed a lien on my house. At the top of the letter it states they filed with the county clerk in XXXX XXXX. My house is not even located in XXXX XXXX. I, then call my local property accessors office and ask if there has been a lien placed on my house and they say no there is not a lien on my house. So this collection agency is using scare tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I orderd a replacment debit card from Wells Fargo and received a confirmation from Wells Fargo that it was ordered. I escalated to XXXX at the Executive Desk and she is refusing to send a Debit Card. Please send Debit Card and PIN. 

Subject : A replacement card was requested From : Card Services XX/XX/2020 XXXX XXXX Contact Us A replacement for your card was requested A request was submitted online to replace your DEBIT CARD. 
Card number XXXX Requestor name XXXX XXXX Reason LOST Shipped To Address on File XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX You will receive an alert after your card is shipped. 
If you have questions or believe this request was in error, please call us at XXXX ( XXXX ). We are available 24 hours a day, 7 days a week or contact us by secure email. 

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 2023-01-10
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Experian stated " When we contact the furnisher ( s ) or vendor ( s ), we ask that they verify all of the information regarding the item ( s ) you disputed and report back in 30 days of the date that we received your request '' 30 days from XX/XX/XXXX to XX/XX/XXXX has exceeded leaving Experian at fault according to federal law. Pursuant to 611 of the Fair Credit Reporting Act, FCRA, 15 U. S. C. 1681i ( a ) ( 1 ) ( A ) Experian acknowledged and deemed to conduct a proper and reasonable investigation into my complaint, into my credit file.

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 2019-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
my transunion credit score was lowered by 46 points because of one hard inquiry by XXXX XXXX which I received their credit card. I was told 10 points at the most. 
I think this is a unfair score drop. Went through a bankruptcy over two years ago I have no debt all bills paid on time, all large purchases paid by cash. Trying to build my credit back for I can purchase a house. Unfair Ty

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 2019-08-20
Company: The Outsource Group, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
a. Dr, XXXX admitted it is a preventive but coding nurse coded as diagnostics
b. insurance call not tell how to code 
c, coding nurse refuse to change 
I went to the clinic for annual physical only.
Receiving the bill for a diagnostic test, I called my insurance company and they told me the code they entered is not preventative but diagnostics so that is not 100% covered.  And it is against the law for the insurance company to tell them how to code.  And the procedure code and reason code is not matching.
I went back to Doctor's Office,  Dr. XXXX said it should be regular preventive exam items. He called the nurse manager in and The nurse manager took me to her office and called the billing office.  The bill office person said they can not change the code. It is up to the person ( the nurse entered the code)to change.  but, the coding person refuses to change the code.  Also, they refused me to talk neither the coding nurse nor the Doctor.   It leaves me the powerless

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 2023-04-01
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: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am receiving continuing calls from agencies about astronomically high credit card bills I never made. Representatives are continually calling me all times of the early morning, noon and late night, including Saturdays and Sundays. When asked to stop harassing me, they ignore my request, and if I block their number, they call from a different number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-09
Company: WELLS FARGO & COMPANY
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: Their investigation did not fix an error on your report

Complaint:
Wells Fargo is reporting that I paid my credit card with them late for the month of XXXX and XXXX of XXXX, but it was never late. I had mailed my credit card payments for these two months to the address that I was provided by the representative at the Wells Fargo Call centre and I took the address done exactly as it was provided to me. I sent both payments for the month of XXXX and XXXX out timely and I never received my payments returned to me. I also never received any phone calls from Wells Fargo letting me know that they did not receive my payment. I only became aware they did not receive or cash my payment when I got a notification from my credit bureau that Wells Fargo had reported me as having paid my account late ( 2 ) months in a row. As soon as I became aware of this I contacted Wells Fargo and explained the situation, and immediately began making payments by phone. I explained to a manager of the call centre exactly what had happened and that I had mailed the payments to the address that I was provided by the associate that I had spoken with and that I had not received the payments back. 

The manager told me that she understood the situation and that she would remove the late markers from my credit report and she realized that it was an honest mistake and that it was not an intentionally done on Wells Fargo 's side and that it was not intentionally done on my part. I was fine with this and I was happy that they understood and was grateful for their assistance. The problem is that they never did remove the late markers and for the past 9 months I have continued to pay my credit card on time, but Wells Fargo still has not done as they promised me they would do and remove the late markers for the month of XXXX and XXXX of XXXX I have called many times since this promise was made to me and I have continued to be told this would happen and that they apologized and to give them 30 to 60 days, but it has now been nearly a year and this still has not happened. 

I was so happy that Wells Fargo was so understanding at one time but then refused to honor the resolution they had agreed to with me.

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 2019-03-29
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2019, received an alert notification from Experian that an account from XXXX XXXX XXXX was added to my report. I did not receive written notification from the company before added to my report. Also, I have never done business with this company, therefore, do not owe this company.

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 2020-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts listed. I have submitted my correct address with a utility bill and I can assure that I am not a credit repair company nor am I a mortgage company. Please remove these accounts.

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 2019-03-29
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX I made a {$48.00} minimum payment, on XX/XX/XXXX I made a {$410.00} payment because I wanted to get my utilization down to help my credit score increase some. Logged into my online account for XXXX XXXX credit and saw that they dropped my {$1500.00} limit to {$1000.00} without a warning or explanation. Now it shows my balance as XXXX with a {$30.00} credit, I have never had a negative remark or late pay on my credit report for this company so I dont understand why they would do this without notice to affect my credit. I feel like they only did that because I made a large payment. Is this company able to do that without notice? Now my credit is worst off. I contacted this company and they couldnt give me an explanation. I did research and see that they have been doing this to other customers as well.

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 2020-10-16
Company: Experian Information Solutions Inc.
State: IN
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:
Information received back from dispute to XXXX XXXX validates my reason for dispute. 
Letter from XXXX XXXX states the reporting is accurate. ( See attached documents of reports showing multiple errors. ) 1. Letter  states account was a collection as of XX/XX/XXXX? How is this possible when my last reported payment in full is XX/XX/XXXX? 

2. Account is still on report as collection as of today. XX/XX/XXXX. This is clearly inaccurate. 

3. Letter states that first delinquency date was XX/XX/XXXX? Credit Report clearly shows first delinquency date of XX/XX/XXXX. Which indicates rollback and illegal re-aging. 

4. One report shows paid, and other shows as derogatory thats still in collections. 

These are multiple inaccuracies which are in violation of my rights under FCRA law.

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