BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-11
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hi this debt is fraud - Ive already disputed and it was deleted due to fraud. The company XXXX collection was sold the debt from XXXX while XXXX knew the debt was flagged as fraud and deleted attached is the correspondence.

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 2018-10-20
Company: ECMC GROUP, 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: Investigation took more than 30 days

Complaint:
ECMC was garnishing my check for 8 months with consent and still reported negatively on report and still does to date. School shut down without knowledge and embezzled millions from it students. I am a veteran and at the time was utilizing my GI bill and XXXX to pay for school and feel the collector to be fraudulently collecting and once told collections stoppeybut report from company 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 2022-06-13
Company: Bayside Credit
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Bayside Credit calling from ( XXXX ) XXXX harassed my significant other for a debt ( was not disclosed it as a debt collector ) and it was a prior relationship ( not by marriage and not her debt either in any capacity ). It was deceitfully, intentionally, and purposely implied to have been for a job reference for her ex. This has left her feeling very uncomfortable. I hope something is done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am a practicing XXXX XXXX and I value my Sundays, my worship days, my rest days. Chase used two phone lines to call me and collect " debt '' that I DO NOT OWE! an FTC report has been filed. The two phone lines CHase has been calling from were : XXXX ( Florida ) and XXXX ( XXXX XXXX, TX ). The calls spanned anywhere from XXXX XXXX to XXXX XXXX. These phone calls not only disturbed my days of rest, but has given me too much anxiety, to the brink of panicking throughout the day. These calls were barbaric and unbecoming. They contribute negatively to my mental health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-01
Company: Avant Credit Corporation
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I initially attempted to apply for a personal loan for me and my wife through Avant. We submitted information under her name since Avant did not allow joint applications, and when we got to the end of the application it was asking to verify banking information. We attempted several times to verify the information to finalize the loan but we were getting error reports form the Avant website, and was eventually informed they could not process the request. This all started on XX/XX/XXXX. At this point we moved on to another company for our lending needs since the Avant website informed us they could not process our loan. on XX/XX/XXXX I got an email stating my loan had been approved through Avant and on XX/XX/XXXX {$9400.00} had been deposited to my checking account. I did not have time between XX/XX/XXXX and XX/XX/XXXX to stop the loan since I hadn't even checked me email that day due to personal things going on. I immediately submitted payment for the entire deposited amount on the same day, XX/XX/XXXX, and sent a request to Avant to cancel and/or refund the remaining fees that were about {$1000.00} since this loan was finalized by an error on their website. Over the next several weeks I had been in communication with Avant and they continued to tell me that the terms were clearly stated when I signed up for the loan and that I was responsible for the remaining pay-off amount despite the technical error on their part. There was a period of greater than one week between one request I made and their response. They made no attempt to rectify this issue, but only to point blame at me because of the terms I agreed to. I explained multiple times that I knew the terms and I was more than happy to move forward until their website informed me that they could not move forward with my request. I was simply seeking the remaining amount due on my loan be removed, even after I have already made a payment of over {$400.00} for nothing. I do not feel I should be out almost {$1000.00} dollars as a consumer for a technical error on a companies website. I received my final communication from them was on XX/XX/XXXX stating that again the terms of the loan were clear and that it was my responsibility to pay off all the fees associated with the loan even though it was a technical error and returned the deposited funds the same day from the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: WELLS FARGO & COMPANY
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On or around XX/XX/20 I was contacted by Wells Fargo for Fraud concerns on my account. At that time, I informed that that the transfers between accounts were not mine and I did not authorize them. I was advised my accounts would be shut down and I would get checks for my funds and I could reopen later. However, instead a FRAUDULENT mobile check was deposited to my account and when it bounced after Wells Fargo ERRONEOUSLY paid it on a marked Fraud account, they deducted the funds from me. My funds should be returned to me in full to my previous Fraud balance of XXXX. I did not make the transfers, did not make the deposit. It is NOT my signature. Additionally it was drawn on a bank in Florida where I am not living nor have I ever lived. There was a full and completely takeover of my online account and all my information was required to be changed. At this time XXXX XXXX is REFUSING my claim in violation of Reg E and Fraud requirements. The executive offices claim they are unable to overturn a Fraud Claim and all I got was the run around for 3 days. I am a college student living off of these funds and it has created unbelievable stress for how I will pay my way at school and Wells Fargo has been rude and unhelpful referring me to the Branch that is 40 mins away from my school in Kentucky which is creating additional burden.

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 2018-03-01
Company: Duncan Solutions, lnc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Began receiving letters demanding payment of {$29.00} around the end of XX/XX/2017for a " Toll Violation '' which is stated to have happen on XX/XX/2017 at XXXX XXXX on XXXX XXXX of XXXX Georgia from XXXX XXXX XXXX XXXX, XXXX, WI XXXX. I informed them that I 1 ) had not been in in the XXXX area on said date nor had I been there in at least 7 to 8 Years and 2 ) that said vehicle had Never been there 3 ) vehicle in is kept in garage ( in TN ) and not driven except to licensee it yearly. And 4 ) since the debt was not legitimate, I would not be paying it. The company totally ignored my correspondence and have continued to send " Demand For Payment '' letters about monthly. I have not contacted them further on this matter since they have not addressed any of the information I supplied to them. I have had an increase of unknown phone calls but since I do not answer calls I do not recognized I can not be certain they are responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX  ; Experian and XXXX should not be reporting a collection in the amount of {$5600.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I am negotiating a settlement with XXXX and therefore XXXX XXXX should not be reporting this account. I have attached documentation for reference. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2020-10-30
Company: Conn's, Inc.
State: TX
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 : My name is XXXX XXXX XXXX and the reason I am writing is to inform you that I have been trying to get with XXXX, but am very upset for their lack of response and reporting. I have done every step they recommend on removing false accounts that are reporting and yet I'm still waiting waiting for a response. It has past 30 days multiple times and at this point, and still the issue has not been resolved. I still see that they are reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Central Portfolio Control Inc.
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Central Portfolio harassed me into paying medical bills I could not afford and should have been covered under insurance. They then placed the debt onto my XXXX credit file which has harmed my credit and prevented me from purchasing a home. This is a direction violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In my XXXX XXXX account this agency is being shown in collections and I do not know what it is for. The company also has not sent me anything regarding what the debt of {$1600.00} is. I need this collection removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Bank of America closed my account for no reason and took over {$720.00} in rewards from my account. My card was closed a day before my statement closed basically forfeiting an additional month of spending. I have been a XXXX XXXX XXXX member for several years. Not only is it unacceptable to close my account but to also essentially steal {$720.00} and with no warning at any time. 

I spoke with a customer service specialist who agreed that this policy is unfair and unacceptable, but unfortunately there was nothing he could do expect give me the corporate address to make a complaint.

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 2023-12-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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 XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX, Experian, XXXX and XXXX are violating 15 USC 1666b. These companies are reporting inaccurate late payments on my consumer report.

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 2018-07-27
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This is in reference to a previous case XXXX regarding ChexSystems. 

I would like to clarify my dispute for this company I placed a security freeze on file with chexsystems last year. The reason for this is credit unions are generally used for credit products but require a share into savings. Sometimes if just wanting an auto loan or credit card or loan product will allow you to continue with chexsystem frozen because they run your credit through a bureau. 

My dispute is quite simple. 

During the time the report was frozen, you are still recording inquiries as if they viewed the chexsystems file. I understand the data was not shared but because you are recording the inquries under " inquiries viewed by others '' it impacts my file. 

Lets say I decide to unfreeze and the next CU I apply at reviews my file. They will then see all these other inquries into my chexsystem file because they are under that section while in reality they did not even see my chexsystem file. In addition, inquiries are calculated into your score which according to FTC, while in a security freeze this will have no impact to your score. If you want to keep record of it that is fine however this needs to be put under the section only reviewed by you. Which is 100 % true since those companies were not able to see my file. 

Finally, many pulled multiple times because they were trying to access file. Example would be XXXX XXXX XXXX and XXXX. 

For you to record the data into the section viewed by others when they actually never saw my file is not accurate and therefore reporting inaccurately. All the other credit bureaus when you have a freeze or a lock will let you know you tried to access file but keep no record of it in the section viewed by others.

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 2023-01-15
Company: AMERICAN EXPRESS COMPANY
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Ive been an AMEX customer almost for XXXX years. Always paid on time, never lage and even have pay off. They never offered me or approved a line increase. However, they approved me a transaction today they overdrafted my card for {$1000.00}. Isnt best that I get at least an increase of {$5000.00} and I dont get the overdraft message or a mark on my credit score? This doesnt even make sense. They prefer I get overdrafted instead of approving me a line increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have had a problem with Wellsfargo since they took over Wachovia Bank XXXX of XXXX. Prior to XXXX and afterward, we have never been late with our monthly payments. Wellsfargo Collection Department sends us late Statements saying that we paid late, despite that we paid every month on or before the XXXX of the XXXX, when payment was due on the XXXX of the XXXX. Our Mortgage reached maturity on the XXXX of XX/XX/XXXX, and but the Collection Company has an account that says that we old more than {$7000.00}, when they actually owes the money to us, because they put insurance on our account when we were insured already. We reported the Insurance Fraud to the Attorney General of Georgia and Alabama in XXXX! The staff at their Insurance office in XXXX, Georgia promised to reimbursed us, but to date, they have not done so! 
We submitted a complaint to the Corporate Office President in XXXX of XXXX, which led to them closing out the Account, and stated that we had a XXXX balance, but their Collection Department ignored the balance due, and claimed that we owed their fraudulent balance! XX/XX/XXXX, we attempted to make the payment we calculated we owed, but the Wellsfargo Bank in XXXX, Alabama, stated that our Mortgage account had been closed, and wouldn't take our payment, because their systems says that we didn't owe anymore money on the account! We purchased a Cashier Check in the amount of {$2100.00}, and sent it to Wellsfargo XXXX XXXX XXXX XXXX, Georgia, but there seems to be several different Collections Agencies seeking money from us!

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 2022-06-13
Company: Aargon Agency, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my XXXX XXXX account and saw a collection from Aargon Agency Inc for {$1600.00}. I have no idea what this is for and they have not sent me anything stating what the debt is. I need this collections to be removed from my credit report.

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 2019-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/19 i made an purchased with features 901 then 14 i returned all my items cause nothing fit then i asked for an exchange which i had to pay XXXX dollars different that i never received and the owner of this place accused me of stealing my own items

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
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: Was not notified of investigation status or results

Complaint:
I am concerned about the validity and accuracy of your recent investigation of  accounts (ATTACHMENT) that are reporting on my credit report. Last few months, I have requested investigation & reinvestigation because I felt the items above were not being reported legally. Few days ago, I received a new letter stating that your reinvestigation was complete. Please explain to me how you conducted your investigation!  This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and XXXX XXXX. Please respond accordingly. 

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 2023-12-06
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to bring to your attention a matter of utmost importance concerning my credit report. After thoroughly reviewing my credit history, I have discovered several discrepancies and inaccuracies that suggest a case of identity theft. I request your immediate assistance in rectifying this situation. 

Below are the details of the discrepancies I have identified : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have noticed a series of fraudulent transactions on my credit report, including purchases and withdrawals that I did not make or authorize. 

I am extremely concerned about these discrepancies, as they have already had a significant adverse impact on my creditworthiness. It is crucial that these inaccuracies are promptly addressed to mitigate any further damage to my financial standing. 

Assist me in the process of reporting the identity theft to the Federal Trade Commission ( FTC ) and obtaining an identity theft report. I understand that addressing identity theft can be a time-consuming process, but I urge you to act swiftly to rectify these issues and restore the accuracy of my credit report. Your cooperation in this matter is crucial to protecting my financial well-being.

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