BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-19
Company: Experian Information Solutions Inc.
State: TX
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 recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on the XX/XX/XXXXand never heard anything back. So I sent a 30 day comply on XX/XX/XXXXand I've yet to get any feedback on my investigation.

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 2020-11-18
Company: Peter Roberts & Associates, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received notification that I had a new collection account on my credit report. It states that it is to collect a medical bill. I have written them letters to have them returned to me for " attempted - not known '' and " refused ''. I have tried to call with zero response. I have no idea what this is for but I have 2 forms of health insurance and was never even informed I had outstanding medical bills nor did this collection agency ever send me anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- STUDENT ACCOUNTS 1. DEPT OF EDUCATION/XXXX with  ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. DEPT OF EDUCATION/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. DEPT OF EDUCATION/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. DEPT OF EDUCATION/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: Paramount GR Holdings, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
The bills from XXXX XXXX Loans has a section called " explanation of amount due '' and it is always blank with all zeros, so I can't verify the principle and interest charged. I have called a couple of times and told them that their bills list all zeros on explanations of amount due. They said it was a programming error and that they would fix it. They've also said somebody would get back to me, but they never do. Its been over a year and they still refuse to send me a bill with explanations of amount due. I want to be able to see and track what I'm paying.

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 2020-11-18
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2020 I was scammed on ecrater.com from a company they had posted on their site. I bought a XXXX for XXXX through paypal. Which the site took down there website. I emailed them to give me a refund immediately and I also let pay pal know and followed there steps to get my refund. They denied my claim. They are letting people get robbed by scammers by allowing them to use their site and deny us the protection we deserve. Ive had a pay pal account for years and this is unacceptable business practices. They say they protect us from fraud. You can even get help from a live person. They take forever to respond and something needs to be done

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-18
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company by the name of Aargon Collection Agency is reporting a balance of {$2300.00} for a hospital bill that does not belong to me. I sent them a letter asking them for signed hospital documents for this debt since I have health insurance and they send me a print out with nonsense data and numbers that I can't understand yet no signed documents by 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 explanation
Consumer complaint received 2017-12-19
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo generated a message indicating that my mortgage payment was past due despite having paid the mortgage via an online transfer the previous business day. The availability of these funds was immediately deducted from my account. This notice resulted in me hastily making a second payment in error. Upon contacting Wells Fargo they indicated that there was nothing they could do ( even though it was an internal transfer ) to stop or reverse that transfer. I would either need to call back the following business day or they could reverse out the payment from the XXXX, but it would be 3-4 business days to be processed. 

The second payment was a result of their inaccurate notification.

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 2017-09-24
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony XXXX has closed two of my accounts without any notification ; one which was paid off. They have continuously pulled my credit report without my permission.

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 2017-12-19
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I received a letter from Citi Bank that I was enrolled in Balance Protector, an optional debt protection program, and was charged a monthly fee, and that I may be eligible for a refund. I moved and just received this information today which is XXXX. I called Citi Bank today and gave the CSR my reference number, and she stated that I had to respond by XXXX. I was one day late filing this claim ( because I moved ) and I feel they should let me submit this reference number to find out if I 'm eligible for any refunds.

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 2021-08-09
Company: BMW Financial Services NA, LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Account on my report stayed longer than 7 years and still getting reported. Disputed some things but keep getting denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: Experian Information Solutions Inc.
State: VI
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:
There are 3 deragatories charged off accounts reporting on my most recent credit report which is 1. The XXXX 2. XXXX and XXXX. XXXX XXXX  XXXX. Upon challenging the validity of these accounts, XXXX credit bureau has deleted all 3 of these derogatory Items based on the lack of ability to verify all reported information as being accurate. I noticed that as a result of challenging these accounts with your company you have verified these same accounts. It is my understanding that the creditors reports the same information to all credit bureaus as expected under FCRA. If this is true, I am hereby requesting the information you used to verify these accounts in writing. If such documents can not be produced, please DELETE these accounts from my credit report immediately.

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 2021-04-28
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: Information belongs to someone else

Complaint:
On or about XX/XX/2019 I noticed multiple accounts listed in my credit file not belonging to me. Upon further research, I learned that my personal identifying information had been used without my consent to acquire credit cards, loans, and to rent apartments. I immediately notified the 3 major credit bureaus that I'm a victim of identity theft and requested that an extended fraud alert be added to my credit file. I completed an FTC Affidavit listing the accounts that were a result of the identity theft, filed a police report with my local police department, and wrote a letter to XXXX identifying the accounts that were as result of fraud. I requested that the information be immediately blocked pursuant to FCRA 605b. XXXX and Experian continues to report information to my credit file that it has knowledge of being a result of fraud and identity theft.

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: Experian Information Solutions Inc.
State: VI
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:
There are 3 deragatories charged off accounts reporting on my most recent credit report which is 1. The XXXX 2. XXXX and 3. XXXX XXXX  XXXX. Upon challenging the validity of these accounts, XXXX credit bureau has deleted all 3 of these derogatory Items based on the lack of ability to verify all reported information as being accurate. I noticed that as a result of challenging these accounts with your company you have verified these same accounts. It is my understanding that the creditors reports the same information to all credit bureaus as expected under FCRA. If this is true, I am hereby requesting the information you used to verify these accounts in writing. If such documents can not be produced, please DELETE these accounts from my credit report immediately.

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 2020-11-18
Company: Self Financial Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
THE LIST OF CONCERN THAT I WOULD LIKE TO MAKE KNOWN TO FCC, XXXX, FTC, HAS BE A ONGOING ISSUES WITH SELF LENDER FINANCIAL. 
1. PAYMENT SYSTEM ERROS SINCE XXXX I WILL UPLOAD PICTURES FOR THE RECORD. 
2. SELF LENDER FINANCIAL OFTEN DELAY CUSTOMERS PAYMENT DELIBERATELY THIS A PATTERN THAT THIS COMPANY DUE TO HARM THERE CUSTOMER CREDIT REPORT FOR LATE PAYMENT.

3. NEXT CONCERN DURING THE STATE OF EMERGENCY SELF LENDER FINANCIAL DELIBERATELY MESS CUSTOMERS CREDIT REPORT ALWAYS / FOR THE BILLING ISSUES IT DOESNT MATTER IF U PAY YOU {$15.00} PAYMENT ON TIME OR 8 DAYS BEFORE UR DUE OR IF U MAKE DOUBLE PAYMENTS THE CUSTOMERS WILL ALWAYS BE WRONG FOR MAKING DOUBLE PAYMENT. 
4. WHEN I TOLD THESE AGENT XXXX AND XXXX AND MANY OTHER THAT THERE BILLING SYSTEM IS BROKEN! I TOLD THEM ON MANY DATES AND TIME FROM XXXX XX/XX/2020 I WAS TOLD BY TWO AGENT THEIR RESPONE WE JUST WORK HERE AND WE DONT CARE ABOUT SELF LENDER IAM JUST HERE TO GET A CHECK WE DONT CARE ABOUT CUSTOMERS ISSUES OR CONCERNS AT ALL 5. I JUST NEED TO THIS COMPANY TO DO BETTER WITH THEIR CUSTOMER CARE AND TREAT PEOPLE LIKE HUMANS INSTEAD OF BLOW CUSTOMERS OFF AND DROPPING THE BALL .. 

THE AGENT TOLD BE HE DIDNT FEEL LIKE WORKING AND HE HAS BETTER STUFF TO DO AT HOME INSTEAD OF WORKING ON THE CLOCK FOR SLEF LENDER GIVE ME A CALL ON THIS FIX PLEASE AND THANK YOU MR .XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 filed a dispute to Transunion and XXXX to have a bankruptcy removed from ny reports. I filed for bankruptcy in XX/XX/XXXX and I realized that it was a mistake, so I dismissed the bankruptcy and contacted the creditors and made arrangements with them and I was able to pay off all the debts at a negotiated amount. I been trying to get the bankruptcy taken off of my XXXX and transunion report for 2 years and they are refusing to take it off. Every time I ask them to remove it they come back and tell me that it's been verified as accurate and will stay on until XX/XX/XXXX. The last time I disputed it they sent me a letter in the mail saying that they won't keep checking the same dispute so I can stop sending in the bankruptcy dispute because they won't do anything else with that dispute. I paid off all the creditors and they still aren't willing to take it off please help me get this off so I can move forward with my life without this hanging over my head. Thank You

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 2019-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX and Transunion are reporting incorrectly that I am 90 plus days late on the XXXX/XXXX   XXXX/XXXX/XXXX/XXXX and XXXX/XXXXI accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 4, 5, and 6 of the attached credit report. These accounts report a {$0.00} past due. There are also duplicate entries of the same accounts ; the date of last activity is incorrect ; the status being reported is inaccurate ; and some accounts have been transferred and should not be reporting at all. These accounts are coded as if I am currently past due in present day. This incorrect reporting is harming my credit scores.

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 2022-11-19
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I disputed a medical collection that my insurance stated was never submitted for a claim to be paid. XXXX kindly deleted. Equifax is playing games.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: AMERICAN EXPRESS COMPANY
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
On XX/XX/2020 I added {$50.00} from an external debit card from a JOINT account that my partner and I share. A few minutes went by and I tried to log in to see what that brought the available balance to and I could not log in. I called in and was sent to account protection services and told that my account was being closed for violating section 15D of the member agreement. The rep advised me that the remaining funds on the card would be mailed to me within 7-10 business days. The following is the exact verbiage used in section 15 ( d ) of their agreement : " We, in our sole discretion, may limit your use of, suspend or terminate your privileges with respect to your Account ( including your Reserve ), Sub-Account, Card and/or Sub-Account Card with or without cause or notice, other than any notice required by Applicable Law, including in the event we believe there has been a breach in security or there has been unauthorized activity involving your Account or you have engaged in activity that is fraudulent or inappropriate ( e.g., manufacture activity that is inconsistent with the intended use of the Account ) or violates the terms of this User Agreement. *******We will only close your Account if there are no funds remaining in your Account ( including your Reserve ) or Sub-Account, unless you specifically instruct us to close your Account or Sub-Account with funds remaining*******, in which case, any remaining funds will be escheated to the applicable state in accordance with Applicable Law. Closure of your Account will prohibit your access to the Service. '' There are funds remaining and I did not request that it be closed. So they are the ones in fact in violatioin of the Agreement, not I. I have called three different reps back and none of them can give an answer other than " ummmm '' and refer me to write in. Thats not acceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-26
Company: WELLS FARGO & COMPANY
State: WY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Wells Fargo after 9 years decided to close our account because a customer alleged fraud. They said it was going to be closed XX/XX/XXXX, yet here on XX/XX/XXXX, without being able to put money in the account, its going to go negative. They keep saying there are " pending transactions '' but that just is not true, there have not been pending transactions for a month straight, they are REFUSING TO CLOSE THIS ACCOUNT. Its like they are trying to get it to go negative. I want this on the record with as many sources as possible as there will be a Federal lawsuit eminent if it continues.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VI
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:
There are 3 deragatories charged off accounts reporting on my most recent credit report which is 1. XXXX  XXXX  2. XXXX and 3. XXXX XXXX  XXXX. Upon challenging the validity of these accounts, XXXX credit bureau has deleted all 3 of these derogatory Items based on the lack of ability to verify all reported information as being accurate. I noticed that as a result of challenging these accounts with your company you have verified these same accounts. It is my understanding that the creditors reports the same information to all credit bureaus as expected under FCRA. If this is true, I am hereby requesting the information you used to verify these accounts in writing. If such documents can not be produced, please DELETE these accounts from my credit report immediately.

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 2017-09-18
Company: Financial Accounts Service Team Inc.
State: TN
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 contacted Financial Account Services on XXXX/XXXX/XXXX to pay off an account originally through XXXX to XXXX. I was told the account would be deleted on XXXX/XXXX/XXXX. When it was not, I called back and they stated they report on the 1st of every month. 3 weeks later and there is still not a change. I called Financial account services and spoke with XXXX who was very rude and told me I need to figure it out on my own. I asked to speak with someone higher up and was transferred to XXXX in the legal department who told me they do not do deletions and do not have a certain day that report to the credit bureaus, that is done randomly. I believe this to be a lie. I 've never dealt with a company that does not have a specific date they report. A month later, even if that was true, my account is still showing a balance of {$340.00} which is also incorrect.

Company response to consumer: Closed with explanation