BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-19
Company: Experian Information Solutions Inc.
State: MI
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 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-11-28
Company: National Credit Adjusters, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: EQUIFAX, INC.
State: MI
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 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX sold the debt to National Credit Adjusters , XXXX and a rep named XXXX XXXX keeps repeatedly calling my cell phone using spoofed phone numbers ( # neighborscam ). Another rep named XXXX XXXX, also with National Credit Adjusters, has been using the information they obtained to purchase cars, gym memberships, and auto insurance using my personal information. 

This needs stopped right away and both XXXX XXXX XXXXXXXX and National Credit Adjusters refuse to communicate in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

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 2022-09-19
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
SOUTHWEST CREDIT SYSTEM keep reporting invalid item to my credit report. I have disputed multiple time and they keep verifying account. No bill was sent or debt validation to validate debt. This account is not owned by me, neither did the collection agency send a debt validation for this item which is violation. No letters was sent to my home address but instead they sent me to collection. I request debt validation which includes signature, date debt was bought/assigned from original lender, debt owned/collection fees accrued to account, and invoices of debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: EQUIFAX, INC.
State: FL
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 have been trying to resolve this issue since last year of 2021 in XXXX. And XXXX of 2021 no resolution. I did not authorize these inquiries. This company the only. Company that will give you a hard time regarding your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Wells Fargo has an abysmal fraud and customer service department. After logging into and creating a new billpay profile for a new mortgage loan company, I scheduled automatic payments and an interim payment. I was required to confirm via a code sent to my mobile phone that I was the one authorizing the account and engaging in the transactions. Later, I received a fraud alert call from Wells Fargo asking if I had set up the new bill pay account, the name of the payee, and the payment. I confirmed each. The Wells Fargo employee continue to ask me asinine questions. Ultimately, the person hung up the phone and locked my account. I had to place two calls and go into a branch location to get my account unlocked. I have withdrawn my funds and will bank with someone else. Wells Fargo interfered with my ability to access and use my funds even though they had sent up numerous security features to protect against financial fraud. Wells Fargo is an abysmal example of a financial institution in that it puts itself first and its customers last. Its customer service employs various individuals who are slow and extremely lacking in any ability to avoid an inefficient resolution of a problem that they created. I don't have to be polite when Wells Fargo is interfering with my access to my money. I don't have to be polite when Wells Fargo sets up hurdles to resolve problems they created. I won't do business with Wells Fargo.

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 2022-11-28
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On the XXXX of XX/XX/2020 SunTrust now known as truist bank restricted my online banking and restricted me from withdrawing from my bank account because I initiated a XXXX  transfer of about XXXX $ to my family member... 
I called the customer service and was told to walk into a branch branch to resolve my bank issue .... 
I visited the local bank branch in XXXX GA where I live and I was told my account is closed because I violated the terms and condition and that my account will be closed and my funds mailed to me in 90 day over a {$10.00} XXXX transfer????? I was shocked .... 
I kept getting notification of my daily balance on my email address and still kept seeing my available balance, I had {$11000.00} in my account and they kept notifying me of it daily ... then on day I noticed the available balance was {$0.00} and finally I was excited my check had been mailed out and then I noticed at a point again my account balance was & XXXX, I was surprised the account I was told was closed was still active and still getting emails but then one day I stopped recieveing emails .... 
And after waiting for almost 2 years now I am still yet to get my {$11000.00} I had in my account when it was closed

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 2022-11-26
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My account was closed unexpectedly and they promised to give me a chance to withdraw my funds. 
I was given the permission to withdraw but my limitations were still upheld so i couldnot withdraw as i still had limitations. They then unexpectedly withraw my funds without my authorization or permission. 
moreover they don't give the steps clearly necessary to withdraw the funds they claim is eligible for withdrawal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: Uprova Credit, LLC
State: ME
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Wasnt told told the interest or amount was expected to pay back. Took a {$1000.00} loan and wasnt told percent of rates and installments till after was given the money. Already paid back over {$2000.00} and they want {$2000.00} more. They not putting money on the loan just interest. Pay them {$270.00} twice a month for four months so far and no where near being caught up. Should be paid off by now. Want to end this loan and not effect my credit. Is a scam or should be illegal

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 2022-04-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX, XXXX XXXX XXXX USDOE/XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, US DEP ED XXXX, US DEP ED XXXX, ( Original Creditor : ) XXXX XXXX XXXX XXXXXXXX, USDOEXXXX XXXX, US DEP ED XXXX, US DEP ED XXXX, US DEP ED 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.

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 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my 2nd Complaint about the negligence of the 3 Credit Bureaus and I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of account resulting in significant harm to my financial standing and reputation. I demand that they rectify this violations and provide me with accurate and updated credit report immediately. This is the inaccurate account that I want it to correct : XXXX XXXX XXXX XXXX Opened XXXX. XXXX, 2022 Balance : {$10000.00}.

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 2022-06-24
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:
Experian Credit Reporting Agency The credit reporting agency Experian has refused to do and provide accurate investigation results. The inaccurate info they are reporting is hurting my ability to obtain credit for business and personal reasons. Ive tried to dispute the inaccurate information multiple times and still havent be provided proof of the account being mine. 

The account they refused to proof for is : XXXX XXXX XXXX Services XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Experian Information Solutions Inc.
State: MN
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any inquiries listed on an id theft report. Please see the ATTACHED documents to assist in the blocking of the erroneous information and removing unauthorized inquiries which is being posted to my report. Here is the list of inquiries which do not belong to me or were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-11-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a phone call from this company, Portfolio Recovery Associates , LLC. back in XX/XX/2022. They stated they were a debt collection company. I asked for what debt? They couldn't tell me without asking for my personal information. I provided the basic info, enough for them to tell me who they were. I had never heard of them or the alleged debt that I allegedly owe. They claimed that I owe them, {$1600.00}. I asked them if they have a signed contract or promissory note from me stating I owe them, They said that it isn't required and that I owe them the money. I stated that if they do not have a piece of paper with my signature on it stating that I owe them, then I do not. I then proceeded to hang up. They then in turn have called me daily at minimum 6 times a day, never leaving a voicemail. I have no knowledge of this alleged debt and they will not stop harassing me. They have numerous times asked me for more information before they would investigate or even consider investigating. This is in clear violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a phone call from this company, Portfolio Recovery Associates , LLC. back in XX/XX/2022. They stated they were a debt collection company. I asked for what debt? They couldn't tell me without asking for my personal information. I provided the basic info, enough for them to tell me who they were. I had never heard of them or the alleged debt that I allegedly owe. They claimed that I owe them, {$1300.00}. I asked them if they have a signed contract or promissory note from me stating I owe them, They said that it isn't required and that I owe them the money. I stated that if they do not have a piece of paper with my signature on it stating that I owe them, then I do not. I then proceeded to hang up. They then in turn have called me daily at minimum 6 times a day, never leaving a voicemail. I have no knowledge of this alleged debt and they will not stop harassing me. They have numerous times asked me for more information before they would investigate or even consider investigating. This is in clear violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: Stone Higgs & Drexler
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have a mysterious old debt of {$14000.00} from XXXX yrs ago that, from what I am told ; is a from a bank overdraft at XXXX Tennessee TN as it is now XXXX  XXXX. I haven't heard or known about this " debt '' the last XXXX  years of my life. I have a decent credit score and have multiple credit cards and this has never " popped up '' in my credit report as I am now XXXX. 

This has just now " surfaced '' in my life and I haven't known about this. I am being forced against my will to pay this and I don't even know what the XXXX this is?? If I don't pay, this law firm XXXX, XXXX and XXXX will garnish my wages. 

I have been given wage garnishment options to repay this, but I still don't know what in the world I am paying?? This is like being mentally and financially XXXX! I set up a payment plan to keep them from garnishing my wages, but again I was informed online that if I do that I will make the old debt " alive '' and then they can seize my property, and AGAIN, I still don't know what in the world this is?? 

I need some kind of help! Is this legal for a XXXX party to purchase a XXXX XXXX XXXX debt and come after me and try to destroy my life?? I looked at the statute of limitations in TN and everything " falls off '' after 6 years. Does this company rule the world w/o anyone knowing? I " think '' the XXXX & XXXX XXXX is the original account holder and it was sold the the law firm? Again ... what in the XXXX is all of this from XXXX yrs ago? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX Tennessee XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX 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 2022-11-26
Company: P&B Capital Group, LLC
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:
I received a phone call from this company, P & B Capital, LLC. back in XX/XX/2022. They stated they were a debt collection company. I asked for what debt? They couldn't tell me without asking for my personal information. I provided the basic info, enough for them to tell me who they were. I had never heard of them or the alleged debt that I allegedly owe. They claimed that I owe them, {$1200.00}. I asked them if they have a signed contract or promissory note from me stating I owe them, They said that it isn't required and that I owe them the money. I stated that if they do not have a piece of paper with my signature on it stating that I owe them, then I do not. I then proceeded to hang up. They then in turn have called me daily at minimum 6 times a day, never leaving a voicemail. I have no knowledge of this alleged debt and they will not stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit 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:
I got a call from XXXX Police, a person impersonating a Police officer extorted money from me. He told me my immigration was under check and I was a criminal. Failing to comply will result in prison for at least 5 years. I let Amex know about this situation ASAP and the unauthorized charges but they refused to refund me. 

I have filed a report with the Police and have the incident numbers below : Incident Number : XXXX, Reported on XXXX XXXX Incident Number : XXXX, Reported on XXXX XXXX Below are the transactions : XX/XX/XXXX : XXXX - XXXX Transactions {$440.00} {$470.00} {$800.00} {$860.00} {$990.00} {$450.00} {$480.00} {$480.00} {$480.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: Upgrade, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/XXXX, I got an offer from Upgrade saying I was pre approved for a {$3500.00} credit limit. I applied as I am building credit and need a higher limit than I currently have on another card. I was approved, and they extended a limit of {$1000.00} and the rest would be unlocked after I submitted my two most recent paystubs. I did this that same day, XX/XX/XXXX. I did not hear a single thing from this company until XX/XX/XXXX when I got an adverse action notice saying my application was denied because they didnt receive my paystubs. They gave me a support email and phone number if I had any questions. I emailed on XX/XX/30 and someone emailed me back saying they cant help me and I have to call. Ive called 3 times now today XXXX with a 20 minute wait time each and every single time the agent puts me on hold to research my account and then hangs up on me. I cant get a straight answer. I feel like I was lied to about the credit limit and they had no intention of giving me the higher limit and I would not have opened the account for the lower limit. It wasnt worth it to do it and I feel like I was part of a bait and switch. The fact that I keep getting hung up on is concerning.

Company response to consumer: Closed with explanation