BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-08
Company: Experian Information Solutions Inc.
State: OK
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:
IN REGARDS TO : EXPERIAN XXXX XXXX XXXX XXXX TEXAS XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX I HAVE SENT IN NUMEROUS DISPUTE LETTERS AND EVEN CALLED ABOUT AN ACCOUNT THATS REPORTING ON MY CREDIT REPORT THAT IS NOT MINES AND IT KEEPS COMING BACK VERIFIED AS ACCURATE. WHEN I KNOW THIS IS NOT RIGHT. THE ADDRESS REPORTED ON MY CREDIT REPORT IS FRAUDULENT I HAVE NEVER LIVED IN TEXAS IN ALL MY 70 PLUS YEARS OF LIVING. HOW IS THIS POSSIBLE THAT THIS ADDRES IS REPORTED ON MY CREDIT REPORT? WHEN I HAVE DONE BEEN WITH THIS COMPANY EVER IN MY LIFE. EXPERIAN HAS BROKEN THE FCRA AND HAS NOT FOLLOWED THE LAWS SET BY THE FTC. I DEMAND TO SEE A ORIGINAL CONTRACT BEARING MY SIGNATURE!!!! 

ACCORDING TO THE FAIR CREDIT REPORTING ACT, SECTION 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify-through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an originial Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to posititvely verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2018-04-22
Company: Ability Recovery Services, LLC
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Amount {$400.00} owed and made last payment on XX/XX/2017 representative very disrespectful demanding if I had funds to pay for a payment i said no she kept asling when i will have payment then hangs up in my face

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 2023-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Fraudulent accounts were open or attempted to be opened on two occasions : -Opened on XX/XX/XXXX and closed in XXXX. 
-Attempted to be opened XX/XX/XXXX, no response from the bank once I reported this was a fraudulent attempt

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 2022-09-09
Company: ENOVA INTERNATIONAL, INC.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for 2 loans with Net Credit via XXXXXXXX XXXX XXXX XXXXXXXX. Application # XXXX AND XXXX both were denied for " unable to verify my income '' but I uploaded my paystubs and i have worked at my job for almost a year. they haven't given any real reason, why and when i call cs doesnt have any info.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17
Company: Experian Information Solutions Inc.
State: CO
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:
I applied for a personal loan, not a title loan, exactly once. I informed the representative who contacted me that I never applied to use a vehicle as collateral and that I was not interested. Now, I see no less than XXXX XXXX XXXX hard inquiries on my Experian credit report alone. <P/>Frankly, I did n't even authorize the type of application they ran the first time, let alone XXXX more times. <P/>Experian claimed it was only able to remove XXXX of these inquiries and suggested I contact 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 2017-06-17
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Starting in the  XXXX  if  XXXX , I began to experience financial hardships. I request ed that Wells Fargo w ork with me to lower the APR on my account and establish a payment plan that I could fit into my budget. This included an initially lowered monthly balance due, with it increasing as I paid off other financial obligations and money became available. The company agents refused, but did offer a short term payment plan to cover the delinquent amount due on my account. I fulfilled that plan. However, I was subsequently unable to make the bank-stipulated payments. Between the   XXXX   of  XXXX  and  XXXX   XXXX  ( approx.  XXXX   )  I repeatedly tried to make a repayment arrangement w ith Wells Fargo age nts, but was repeatedly told that they do not make repayment agreements ( that they would only accept payments in the amount listed in the monthly bill ), and that I should just contact them if I am able to make payments in the future. On  XXXX   XXXX , I was sent a letter informing me that my account was being reported as a loss.

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 2021-10-27
Company: Paramount Recovery Systems, L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PARAMOUNT RECOVERY SYS

Contact
XXXX XXXX XXXX XXXX, TXXXXX
(XXXX) XXXX-XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF XXXX THE COLLECTION HAS BEEN REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY . THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: MORGAN STANLEY & CO. LLC
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an etrade XXXX  savings account in XXXX and funded it {$5000.00}. A few weeks later I logged in and saw the account was restricted so I called and was told to send in a copy of my passport and social security card, which I did. My account is still restricted and I don't have access to my funds. I'm now on my fourth call to Etrade concerning this issue, so far I've waited 31 minutes and haven't reached an agent. I have no desire to maintain a banking relationship with a firm that treats their consumers in such a way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Genesis FS Card Services, Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have fraudulent charges reflecting on my credit report from XXXX - Genesis Retail, XXXX XXXX XXXX  which I did not charge. I disputed the charge, gave my statement of not making these charges or having credit with their financial institution. 

They replied back in letter form stating I am responsible for the charges and provided me the fraudulent signature that they stated is my signature and charges. 

At this point and time I need to take this to a higher level to dispute these fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On  XXXX / XXXX / 17  TransUnion debited my  XXXX  credit card account for {$19.00}. The unauthorized charge was noticed today when paying my credit card bill. I immediately called Transunion regarding the charge. They indicated when I accepted an offer for {$1.00} to see m y credit score that t hey automatically enrolled me to have such information on an ongoing basis for {$19.00} a month. I advised them I did not authorize this, but was told they would not refund my money. I next called  XXXX . They were well aware of the practice but would not accept a dispute of the charge. ( Of course, they are a big user of TransUnion data, so I would n't expect them to bite a hand which feeds them so much personal consumer financial data. )  XXXX  asked if I had provided my credit card information to TransUnion to initiate the charge. I did not do so, but, of course, TransUnion would have that information in their massive financial data files on consumers..

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 2021-10-27
Company: Experian Information Solutions Inc.
State: GA
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:
As quoted below under federal law 15 USC 1681a 2Ai any reports containing information solely as to transactions or experiences between the consumer and the person making the report is an exclusion in consumer reporting. A reporting of a late payment is specifically excluded under federal USC 1681a 2Ai and I want all late payments and collections deleted from my credit report immediately. Experian and XXXX are both reporting a 30 day late payment for XXXX XXXX XXXX for XX/XX/2021, this is a FCRA violation under 15 USC 1681a 2Ai as an exclusionary reporting. XXXX and Experian are both reporting a collections account for XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX I respectively that are also in violation of FCRA 15 USC 1681a 2Ai. The law states " reports containing information solely as to transactions or experiences between the consumer and the person making the report is an exclusion in consumer reporting. '' These Credit reporting agencies are violating my Fair Credit Reporting Act Rights with the following : 15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 2017-06-17
Company: AMERICAN EXPRESS COMPANY
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:
I pre viously had a American Express p referred cash credit card. Before I made a decision to cancelled my credit card, I called AE customer services several times regarding the reward dollars and the positive account balance. I got positive answers about I could get my reward dollars back and the account balance back. Then, Icancelled my card. Later, I did get my account balance back through check. However, I did not get my reward dollar at all.     I contacted customer service for several times again. This time, I got very different answers. They said that for reward dollars lower than {$25.00}, I could not redeem them at all. As my account has {$19.00}, there is no other way for me to redeem it.     I do n't feel very comfortable by this answer. First, this is not what I was told before. Secondly, it simply saying that I am going to lose my reward dollars which should also belongs to me as well.     I would appreciate a solution for it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-17
Company: EQUIFAX, INC.
State: IA
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 XXXX XXXX XXXX is showing that my account was opened in XX/XX/XXXX and is currently closed. It shows closed in XX/XX/XXXX. They also show a monthly payment of XXXX which is what I have paid every month for the past 8 years now. This is my current child support amount for at least the next 10 months. They randomly show months where it was not paid and where payment was late. Currently they are showing a balance of {$7.00}. YES {$7.00}! They also show that the account was in collections and was charged off. This account was not in collections ever and was never charged off. This is a government run thing and is required that I make all support payments as I have been for the past 8 years. <P/>They are showing collections/charge offs in the following months : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Now also showing a {$7.00} collection charge off fee. <P/>There are NEVER any collections/charge off fees associated with this account since it is a government required child support payment account. This should not be handled in this way and is completely destroying my credit with agencies XXXX and Equifax. <P/>What they should be doing is sending me a bill/late statement every month if in fact I have some overdue amounts and then they should wait a month or so for me to catch up on those payments if I am late. Then they should send notices that they will be forwarding my account to collections if I do not pay it. They should provide a means to get it caught up. A means to contact someone to do so. Then after several months of me completely disregarding them, they should put it in collections as normal. <P/>What they are doing is if I have XXXX to pay each month and I only pay XXXX, they immediately the next month will show XXXX is charged off in collections. There is no bill and there is no communication whatsoever on what they are doing. Whereas I may pay XXXX the following month. I forever have this damaged information on my credit report. This is completely unfair not only to me but to every other person out there in the Nebraska court system trying to make payments of child support on time. This is a systemic issue and not isolated to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 feel like I'm being taken advantage of being ignored of my disputes. It is clearly stated on XXXX that failure to examine an item within 30 days is cause to instantly remove it off my credit report. Since it has been over 60 days, these entries should be deleted 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 non-monetary relief
Consumer complaint received 2021-05-11
Company: BBVA FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX Simple Bank, subsidiary of BBVA USA, informed it's customers via email that BBVA had made a strategic decision to close Simple Bank, and to absorb it's customers into BBVA. Simple bank accounts were technically already BBVA accounts on the backend, so we were promised in the email : " We want to assure you that we are committed to making this transition as smooth as possible for you, and that we will provide ongoing transparent and open communication, so you know what to expect each step of the way. ". 

Regular reminders were emailed to Simple customers about the account transition. BBVA had months to plan the transition. The genius executives at BBVA decided to set the transition to happen on a Saturday morning. BBVA online customer service apparently does not operate on weekends. Predictably the transition wasn't smooth like we had been promised multiple times over the course of months. Unpredictable was how badly they messed up the transition. The majority of Simple accounts were messed up and the accounts were locked with no actual way to unlock them given because the phone number they gave us immediately hung up whenever called for the last 3 days. The phone line worked today, only for the customer service rep to tell me there was nothing she could do to help and to call later. So most customers have been locked out of their accounts unable to see what is happening with their finances for going on 4 days now. In a pandemic I might add. 

BBVA 's XXXX @ BBVA_USA has been on damage control for the last 4 days offering very little other than empty apologies and phone numbers you can call and get hung up on. They claim unexpected customer account creation crippled their system. Sounds reasonable enough, until you realize that since they owned Simple Bank, and Simple Bank actually used BBVA banking accounts on the back end .... they had all the information they needed knew exactly how many customers were going to need to make accounts the day of the transition. No steps were made to make it happen smoothly. No support staff was ready for the transition, no extra staff was scheduled to help with the inevitable issues, no system put in place to stagger the account creations required for the transition over hours or days, nothing. They just turned off Simple 's servers, locked us out of our bank accounts, and keep saying how very sorry they are and how unexpected it all was.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: ALLY FINANCIAL INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing this complaint because ALLY FINANCIAL ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible 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 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-31
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Report Act XXXX Account # 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. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBERXXXX ACCOUNT NAME : XXXXXXXX XXXX  ACCOUNT NUMBERXXXX

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 2023-04-03
Company: Synovus Bank
State: MA
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 have had an account with First Progress since XX/XX/XXXX. I noticed incorrect information and billing errors on my Consumer Report from First Progress. 
XX/XX/XXXX, I sent a letter and Truth of Affidavit to First Progress, requesting proof of all 12 late payments they have reported on my consumer report and I requested a credit limit extension .They have removed 8 late payments, then closed my account XX/XX/XXXX after sending a payment the previous month. 

After First Progress closed the account in my name and Consumer Information, I received another bill in the mail for XX/XX/XXXX ( a clear Billing Error ). 
I have mailed First Progress a letter stating that there are multiple Billing Errors on my Account and accounts should not be closed during investigations. 
This violates 15 U.S. Code 1666. 

This has caused hard to my Consumer Report and continues to cause harm.

Company response to consumer: Closed with explanation