BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-13
Company: U.S. BANCORP
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had a mortgage with US Bank and was advised in the beginning to open a bank account to get a lower rate. The mortgage was refinanced and I was not aware that the bank account would incur fees in the amount of {$25.00} at that point. I called to explain the misunderstanding and requested a credit which was agreed to. However, US bank took months to resolve so the balance went unpaid. In fact, I never made any payment towards those fees ( which grew to {$75.00} in late charges ) because they agreed to waive them. Eventualky, the fees were credited and I assumed that their agreement to cancel the fees meant a full resolution had been reached. However, the process after they agreed to waive the fees took months. I called us bank month after month because the fee they promised to reverse was still on my statement. Each conversation a US Bank rep promised to have a " manager '' take care of it. I did n't know that their incompetence was adversely effecting my credit. Once it showed up on my credit report, I requested a dispute through the credit bureaus as directed by US Bank since they would not provide any other assistance. I was told by us bank that there was nothing they could do. The results of the dispute merely updated the length of outstanding fees. I had a number of mortgages with us bank over the years and they were paid thousands of dollars in interest. I find it descipable a hidden fee of {$25.00} that they agreed to waive would negatively effect my credit after numerous phone calls dealing with their own incompetence. In addition, the results of the credit bureau dispute should have been a full deletion given the facts. This may be the result of laziness or biased treatment but I will continue to pursue the only acceptable resolution of full deletion from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-30
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Bankruptcy

Complaint:
BBVA Compass is violating Federal Bankruptcy Laws. On XXXX/XXXX/2016 I filed Chapter XXXX Bankruptcy in the XXXX XXXX XXXX Florida Case # XXXX. BBVA Compass was a listed creditor BBVA Compass on XXXX XXXX, 2016 is requesting me to pay {$3900.00} by XXXX/XXXX/16

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have new and updated information for complaint # : XXXX ; Equifax violated my rights under 15 usc 1681i ( a ). Pursuant to 15 usc 1681i ( 7 ) Description of reinvestigation procedure A consumer reporting agency SHALL PROVIDE TO A CONSUMER A DESCRIPTION REFERRED TO IN PARAGRAPH ( 6 ) ( B ) ( iii ) BY NOT LATER THAN 15 DAYS AFTER RECEIVING A REQUEST FROM THE CONSUMER FOR THAT DESCRIPTION. As of XXXX XX/XX/2022 Equifax responded to CFPB stating that it is still working on my issue. It has been well over the 15 day time frame, which is a violation of the law granted for Equifax to send me their method of verification for re-investigation. I filed with CFPB and they sent it to Equifax XXXX XX/XX/2022, where I requested my entire consumer credit file and report, as well as exercised my rights under 15 usc 1681i ( a ) I am requesting your method of verification, and I am granting you 15 days to respond to this request. If this account was in fact verified as you claim that would mean that you investigated it, and it would also mean that this was in fact an investigative consumer report. If this is an investigative consumer report I am also exercising my rights under 15 usc 1681a ( e ) I want to know exactly who you spoke with, and the method you used to speak with them. I also would like the name of the company who furnished this information and the name and employee number of the employee whom you spoke with. Pursuant to 15 usc 1681a ( e ) I an demanding the following : Which neighbor did you speak with? Which associate did you speak with? Which friends did you speak with? Which acquaintances of mine did you speak with? Was the information that you received factual? Please keep in mind that you only have 15 days to respond to this request. If you do not respond in time, this information must be permanently be removed from my consumer report. 

On XXXX XX/XX/2022 I filed complaint # : XXXX with the CFPB disputing the above alleged account and reported late payment, as well as outlining how Equifax violated my rights as a consumer under 15 usc 1681. The subsections Equifax violated are as follows : 15 usc 1681- ( a ) ( 1 ) 15 usc 1681- ( a ) ( 2 ) 15 usc 1681-a ( 3 ) 15 usc 1681-a ( 4 ) 15 usc 1681b. ( 2 ) Your company ( Equifax ) responded alleging that the referenced account ( s ) were verified on XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: JPMORGAN CHASE & CO.
State: NE
Product: Credit card
Issue: Billing statement

Complaint:
I have XXXX different balances on my credit card account. A low APR balance and a high APR balance. During the month of XX/XX/XXXX and XX/XX/2016, I made few payments in the total of XXXX to pay off the transaction made during since that balance are incurring payment daily. I was surprised that chase bank applied all the rest of the payment to the XXXX XXXX balance after the minimum was paid. I tried reaching out to them to get it resolve but their answer was they could n't apply that payment to the balance because it was n't included in the balance in the monthly statement. I tried to be reasonable and tell them according to the law, they should apply any remainder of my payment after the minimum balance to the highest APR balance on the account as stated in the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I reported the fraudulent use of my email soliciting money transfer and loans from my retirement account agent. The email hacker received IRA statements and loan forms from my agent. The hacker also impersonated a loan officer in my credit union to request and receive a voided check from me while I was in loan negotiations. Once I discovered the impersonations I set up a fraud alert prior to requesting a free credit report. I am hoping the fraud alert is preventing my request for a copy of 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 2015-09-16
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I 've tried to get my annual credit report from Experian. They say the answers I gave to their security questions are wrong ... ..MY ANSWERS ARE CORRECT!!!!! Their information is incorrect!!! I 've tried to reach them by phone which just redirects me to their website ... ..worthless!!! I tried to write them a message via their website to let them know what was going on and I got an error message there too!!! I want someone to straighten this mess out so that I can have the annual credit report I 'm entitled to by law!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26
Company: EQUIFAX, 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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midland funding keeps attempting to collect a old debt from me and I never had credit with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-04
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
At first I let it go, I thought maybe it was my mistake. However I received a Similar value charge the following month on a much lower balance. I have now XXXX photos to Citibank as the rep I spoke to didnt care that I planned to frwrd the matter to the FTC all she would say it that it was, and I quote, system generated. So there isnt someone out there that controls that? Because what it looks like is someone is trying to get a $ XXXX fre every month from me, which they should just be honest about. The closing statement for the first month where I received the extra interest charge was 29 days and the reason for that is because the payments were made separately, so that even the agent argued with me and told me that I only paid a portion. Furthermore, theres a payment made at my bank that hasnt been attributed to anyone that is suspiciously close to the remaining balance and next payment. I havent looked into it yet, but if I do im certain Thats what I will find. Then, the following statement was given 32 days so that it could accrue extra interest. If you look at the statements the due date is before the closing date. So unsatisfactory. I can not believe I have to write in about {$20.00} because they are unfairly earned and the agents are unhelpful by calling it a SYSTEM. And then she claimed that I should JUST KNOW what and when I spent my money in. What if I did not? What if I am the type of person that needs help like that? So obviously you are not providing it or did not even train your agents to think about others like that but to top it all off your system requires me to be a mind reader so there is no way to avoid it if I buy something between certain dates. You should send reminders to people to not make purchases during those times for goodness sakes.

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 2022-01-23
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, my check was garnished from an unknown source. I went to HR to inquire about the deduction. I was advised it was court ordered. HR provided me with a copy of the court order. I called the number on the court order to inquire about the garnishment. I was advised it was for a XXXX credit card and the amount owed was {$3800.00}. I was also advised that the account was opened on XX/XX/XXXX. I never owed a credit card. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
A Business Account was opened without Promised Award XX/XX/2022 Opened a business account per Wells Fargo Promotion Code to me on XXXX XXXX at XXXX XXXX XXXX XXXX office with Banker XXXX XXXX. 
( Code # XXXX ) It states that {$1500.00} will be awarded with {$5000.00} deposit. Picture of this promotion code is available upon request. ) I was informed by a few friends that the award was showed up on their account. However, I did not receive this award. 
XX/XX/2022 I called Wells Fargo on XX/XX/2022 ( XXXX, XXXX & branch office XXXX ). I was funneled to credit card award office at the end of each call. After long discussions, I was told that I need to talk to the branch officer where I opened my account. 
I could not make a reservation to visit this XXXX XXXX branch ( later it was also verified by Banker XXXX XXXX at XXXX XXXX XXXX Banker ). Therefore, I made a reservation to stop by XXXX XXXX XXXX XXXX with Banker, XXXX XXXX. 
XX/XX/2022 I visited this branch on XX/XX/2022 to show my related information ( account, promotion code, my ID, etc. ). XXXX reviewed all information and stated that this promotion code did not attach to this account, therefore, I could not get this award. He was nice to document my issue and promised me that he would submit to a proper channel to resolve this issue. 
XX/XX/2022 It has been more than 2 weeks and I received no information from Wells Fargo. I checked my account, {$1500.00} is not award to my account. I need your help to resolve this issue.

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 2022-07-26
Company: Source Receivables Management LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX There have been numerous times, where this debt collection agency has called me attempting to collect a debt that I have disputed in XXXX of XXXX and they have failed to submit the requested documents showing that they are legally able to collect this alleged debt, as well as prove that this debt belonged to me. At this point, this is harassment and not to mention a violation to my rights as pursuant : 15 USC 1692 ( 5 ), " Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number '' ( which results in 4 phone calls within 7 days, as listed ) 15 USC 1692b ( 2 ), " not state that such consumer owes any debt '' ( agent expressed I owed a debt with XXXX ) 15 USC 1681b ( 2 ) " In accordance with the written instructions of the consumer to whom it relates '' ( I did not authorize or give permission for this agency to place any collection on my consumer report )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX XXXX on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-04
Company: CITIBANK, N.A.
State: NY
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 Citibank account charged off back in 2016. 
Although it was charged off, a balance still reported AND there were negative/late payments reporting every month. This is against the FCRA amongst several other FCRA violations including incorrect status of account and inaccuracies across the credit bureaus. This account should be removed 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 2020-08-04
Company: Experian Information Solutions Inc.
State: IN
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2017-01-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
there is an account showing with XXXX which is not mine. I have previously been a victim of identity theft and this is one of the accounts listed on the police report and bureaus refuse to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have disputed over and over the validity of XXXX XXXX XXXX ' reporting. They were never able to validate a debt. They reported an incorrect balance for years. I disputed and Experian just updated the debt as valid. It was not. It has been incorrectly reported for at least 3 years. Their dispute process did not follow through with appropriately verifying a debt over and over again. They posted the debt as valid and it was not.

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 2022-07-26
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
On XXXX XXXX and Experian received a package from XXXX XXXX consisting of a demand letter, a notarized affidavit, and exhibits attached ( see attached files ). XXXX XXXX Experian continues to report inaccurate information on the consumers consumer report without disclosing the method of verification used to verify the inaccurate accounts. XXXX and Experian is in violation of 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ).

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 2020-08-04
Company: CITIBANK, N.A.
State: NV
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:
I AM VICTOM F AN IDENTITY THEFT, AND I HAVE SUBMITTED ALL REQUIRED PAPERWORK TO THE BUREAUS AND TO THE BANK BUT SEEMS LIKE THEY ARE PLAYING GAMES AND TREATING ME THE CONSUMER AS A LITTLE KID, EVERY TIME I CALL THEM EITHER THEY DON'T HAVE NAY INFORMATION, THE ACCOUNT SHOULD BE REPORTING, THEN THEY ASK ME FOR IDENTITY THEFT REPORT, WHICH I SUBMITTED NUMEROUS TIMES, NOT ONLY I GAVE THEM THE IDENTITY HTEFT REROT, I ALSO GAVE THEM POLICE RPEORT. I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED FROM MY CREDIT REPORT REPRT.

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 2022-07-26
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The list of information in my report was inaccurate. I sent it to all the credit reports, asking them to investigate and verify my files. That information, however, is still being shared and affects my credit. The credit bureau did nothing to remove the incorrect information listed below as a result. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXXXXXX XXXX  XXXX Updated : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation