BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
On XXXX XXXX I received an alert that a collection account had been posted to my trans-union account. I went onto my trans-union account to find that a debt collection company called XXXX XXXX XXXX XXXX XXXX had posted an account for an auto loan I had co signed on a couple years ago. The orig. Lender had posted info as to balance, type and responsibility, But the debt collector gave false information. Listed type as EDUCATIONAL, Responsibility as INDIVIDUAL, Balance XXXX HIGHER than posted the day before from original. This debt collector, to date has not contacted me by any means, so I disputed this information and supplied documents to Trans union to prove BALANCE, TYPE and RESPONSIBILITY. To my surprise within a couple days transunion had posted their findings without even receiving the documents I had mailed yet. The finding was " meets FCRA requirements '', case closed. Then along came XXXX and disputed with the same outcome. I provided copies from original creditor as well as copies of credit reports showing what original creditor put on credit reports up to the week of the change from original creditor to XXXX XXXX XXXX XXXX.to both CRA 's. This collection is totally believed by CRA 's and they can list anything they want to. Due to type of income I have I am worried that this collection agency used EDUCATIONAL as type of loan to try and freeze my bank account. The findings leave me to believe that this collection agency can pretty much lie and its okay.

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 2019-07-23
Company: WELLS FARGO & COMPANY
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:
fcra violation why does XXXX need the same report 5 times remove all but one WF did the same 2 inquires same day XXXX XXXX never applied ftc  XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX   XXXX XX/XX/2019 XXXX XX/XX/2019 WF CRD SVC XX/XX/2019 WF CRD SVC XX/XX/2019

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 2017-10-19
Company: WELLS FARGO & COMPANY
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
I recently found some unauthorized charges on my Wells Fargo Visa card. The XXXX separate charges totaling {$290.00} were made on XXXX I notified Wells Fargo by calling XXXX on XXXX which is when I noticed the charges. I reported the unauthorized charges as fraud. At this point in time the funds have not been credited to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: Experian Information Solutions 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:
XXXX  ; Experian and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX  CARD SERVICE - account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove 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 2019-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am requesting a re investigation of the debt listed on my credit report under XXXX XXXX XXXX # XXXX {$540.00}. This account balance is not valid and it not owed. XXXX XXXX XXXX is in violation of FDCPA [ 15 USC 1692f ] 808 ( 1 ) because they are collecting fees on top of the debt amount. XXXX XXXX XXXX also has not provided any signed contract or proof of any services rendered. All XXXX XXXX XXXX has provided is a copy of a balance ledger which does not show what the debt is attached too. I do not owe any balance of {$540.00} or {$450.00} to XXXX XXXX XXXX and have sent them en estoppel letter on XX/XX/2019through the Consumer Federal Protection Bureau and have not received validation of debt according to the FCRA guidelines I have disputed this before and this is not a Frivolous Claim this dispute is valid I want this account deleted and removed due to the many violations to the FCRA and FDCPA.

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 2018-06-04
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:
CRA violation Experian took more than 30 days, were disputed on XX/XX/18 until now I did not receive any document back from them.

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 2019-11-21
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not mine please remove ASAP

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 2022-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/XXXX, I spoke with a Capital One agent ( did not get his ID # ), he was unable to resolve my issue concerning being unfairly accessed interest on a {$0.00} balance. I asked to be transferred to his supervisor or his manager. He transferred me to an account manager. She stated that her name was XXXX and ID # XXXX. 

I asked about the restriction that hasn't been removed from my account. XXXX stated that I would need to make THREE ( 3 ) on-time payments for three consecutive billing cycles before the restriction is removed. When I spoke with an account manager last month I was told that after my payment cleared, wait TEN ( 10 ) business days and the restriction would be removed. I am being accessed interest unfairly and if I refuse to pay it, I will be accessed more interest and late fees which will continue to restrict my account. I reached out to Capital One in XXXX of XXXX about the financial hardships that I was experiencing due to the pandemic and employment. I was denied any kind of reprieve. They stated in XXXX that they stopped accessing late fees on my account in XXXX. I was able to secure resources to pay my balance off in full. Previously, sometime last year, I was told by a Capital One account manager that if I paid the CURRENT BALANCE and NOT the statement balance that would avoid any interest fees being accessed to my account after I made a payment that would pay the account off in full. I paid the CURRENT BALANCE in full on XX/XX/XXXX which left a {$0.00} balance on my account. My account received an interest charge two weeks later on XX/XX/XXXX. They were unable to explain to me how an account with a {$0.00} balance could receive a interest charge. At that point I just requested that the charge be removed. They refused and when I asked to speak with her manager or supervisor, she stated that her managers and supervisors do take calls. I asked for an email address and she stated that she would not give me that information and that she was the last line of contact. When I requested that the account manager, XXXX, give me her name and spell it for me she seemed hesitant. I also requested the name of of her manager or supervisor along with their ID # and she said her name was XXXX and " they '' would know who she was when I relayed that information. I stated that I needed this information for the formal complaint that I would be submitting to the CFPB. She stated the she could/would be submitting a complaint as well. I asked her what complaint would she be submitting in regards to a customer refusing to pay a bogus interest charge accessed to their account. 
This is unfair and predatory business practices on behalf of Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: ProCollect, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX i found out that pro-collect had reported information that was not mine to the three credit beauers. I contacted the company and gave the account number that was listed on the credit report and the last of my 4 of social security number. The represenative stated to me that i have no account there and i said send me a letter and removed it from my credit report. The amount for both accounts were totaling over 6,000 dollars. The representative XXXX XXXX XXXX stated i will mail you a letter and you should receive it in 5-7 days. On XX/XX/XXXX when i didnt receive the letter i called back and the supervisors. XXXX XXXX stated this is your account and i said i have proof that was mailed to me by your company which is n't my information on the lease application that they had mailed me. She stated i must send her a lease of were i have being living for past 3 years and i told her i been living with my parents and dont have a lease and she said well there nothing i can do to help you but for you to pay this debt off.She was very rude starting saying this is your account and unless you send me a lease in which i can verify this account belongs to you despite the incorrect social security number and other pertinent information. I told her i was n't going to pay for account and she said ma ' you will because you are using 2 social security number and when i told i do n't she hung the phone up. I have disputed with the credit bearurs and sent the information to them that was sent to me by pro-collect and they said its nothing can be done even though it does n't ' have my social security number on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I contacted Chase Auto Finance since my report shows that the account was over 30 days late and the account has never been over 30 days late. The representative in the credit disputes department stated that he would investigate it for me since I am in the process of purchasing a home and this has ruined my credit score. The representative told me that when I requested a deferment that is what caused my account to show as over 30 days late. I explained that I was not advised of that, and had I have knows that was going to happen I would have not deferred any car payments. I asked the representative that and she explained that would not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had spoken to a gentleman in the AMEX collection department Rep Id # XXXX about a week or so into XXXX. 

The call was recorded so the exact date can be found. 

He told me that my past due amount on my personal loan account was {$670.00} and that would bring me up to date. 

He also told me that after making that payment and bringing the account up to date they would be able to remove at least two of the return check fees. 

I scheduled a {$670.00} payment for XX/XX/2019 that was processed and posted. 

I received a call from XXXX XXXX from the AMEX collections department a few days after the {$670.00} payment posted for my AMEX personal loan. 

He told me that my account was not up to date and that a payment of {$320.00} was still needed to bring my account up to date. 

I told him that the last gentleman I had spoken to assured me that the last amount of {$670.00} brings me up to date and that at least 2 of the returned payment fees would be credited. 

XXXX XXXX confirmed that the information provided by the prior gentleman was not correct and the chances of having those two returned late fees credited is very slim and needs approval by a higher department. 

I was clearly lied to by representative # XXXX to get a payment for any amount. 

In addition AMEX had attempted to pull funds out of my XXXX XXXX Account 9 times unsuccessfully due to insufficient funds. 

If the funds were not available I believe 9 attempts is excessive, but unsure if that particular protocol violates any laws. 

I was not properly notified of these withdrawals and 9 times seems to be excessive when funds are not available. 

Each time my bank declined the transaction not allowing for any overdraft fees or a payment to be processed. Despite the denying of these payments by my bank I was charged a {$39.00} returned check fee 9 times. 

I believe the following things and this is why I am filing this complaint : 1 ) Not properly notified of the 9 attempts to withdraw funds out of my account 2 ) Lied to by a representative about the payment amount due and reversal of fees 3 ) Unscrupulous collection tactics and what seems to be a toxic culture in the AMEX collection department. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
I recently applied for a car loan but was denied because of XXXX XXXX XXXX   XXXX that still appear on my credit report as paid late. The account was disputed long time ago, I write letters monthly to no avail. I am very eager to know what is going on why the account is being reported late but credit bureaus did not send me any verification. This is a big mistake please CFPB fix it as soon as possible

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 2019-07-23
Company: Experian Information Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had a wireless phone and XXXX for the home with XXXX upon leaving XXXX they charged me numerous frivolous fees that I was unaware of until it appeared on my credit report. They reported the bill and had a collections company report the bill on my credit report I never received any collections notice they removed my access to see my account online which as per their website I should still have access to my old bills than when I tried to speak to someone in corporate they refused to verify the address they had on file. To this day I still have not seen the bill and all the charges only what they stated on the phone. They also are falsely reporting the account on my credit report as an open account with a maxed out limit instead of as well as a collections by doing this it looks as though every month I owe {$910.00} and another for {$1900.00}. And lastly they are reporting this as though the account is recent even thought I have not had this account in over 3 years and they decided to initially state I owed {$910.00} last year and then to report it at {$910.00} as a fresh debt this year I disputed this with the credit reporting agency as well and they did nothing they continue to allow them to report this as open account they state the debt has been verified which is a lie there is no way they could verify I received any collections because I have not and they did not even want to verify my address This is against and the laws of fair credit reporting and this greatly affecting my credit more than a collections because it reports as open and active and they know exactly what they are doing as I have seen online this is a common occurrence with XXXX and somehow they manage to continuously get away with it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My credit limit was decreased $ XXXX based on a delinquent payment on a different account. That was a error on my credit report. I have resolved the error and it has been removed from all 3 of my reports. The credit limit decrease was done based on an error in my credit report. Once the error was corrected and removed I was told by customer service that theres nothing they can do. 

Again my credit limit was decreased based on an error. Once the error was removed they wont discuss or reverse the decision even though its based on wrong information. The adverse action should not still apply if its based on wrong information

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 2018-11-22
Company: EQUIFAX, INC.
State: AL
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 and I write to dispute certain information in my file resulting fro m the ID Theft. I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: Flagstar Bank, N.A.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid my mortgage in XXXX on the XXXX I was told I would be charged a late fee because of time zone difference the bank is located in the XXXX XXXX. I complained spent wasted time talking to managers and they finally removed the late fee. I'm sure they have charged several others who didn't complain. In XXXX I paid the bill on the XXXX a Saturday. I received a harassing call on Monday evening from the collections department. I spent hours being bounced around trying to determine if the call from Monday was actually from Flagstar Bank. I was concerned because on XXXX  when I returned the call to this unknown unpublished number XXXX. I was asked to give my loan # and XXXX. I of course refused. I then hung up and called a known number for them. I was transferred to collections. I was asked irrelevant questions regarding the matter such as do you live in the property, is it a rental, and is it rented out? I was taken aback by the questions because in all my 30 years of owning property no bank has ever asked me that. I now believe the bank may be providing that personal information to other interested parties/investors looking to prey on the public. I hope this matter is looked into as this is very alarming. I have gotten several unwanted calls from investors who say they have gotten my information from sources like the bank.

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 2017-06-28
Company: AES/PHEAA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Had a remaining total balance of {$3800.00} with American Education Services ( AES ). I scheduled a payment for the balance in full onXX/XX/XXXX. On XX/XX/XXXX, the payment posted but AES erroneously added {$6.00} of additional interest that was applied upon receipt of the payment. <P/>When I requested that the new interest charges be removed, the company rep refused and would only process another payment which will take 30 days to reflect on my account. In fact, I had to make the request 3 times. Instead she just kept asking me to authorize another transaction. The representative then stated that there are two balances : a balance owed and " pay off '' balance. How is that legal? By definition, there is only one " balance ''. <P/>Inevitably, I had to authorize the payment in order to close the account. <P/>Either their website is not giving accurate account balances, or AES is arbitrarily charging consumers additional interest/fees when balances are paid in full. I feel AES is probably using their lengthy processing times to justify additional charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: WAKEFIELD & ASSOCIATES, INC.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I lost my wallet that contained my ID and social security card and because of that someone went into a medical practice and fraudulently posed as myself. I was billed for something that I didnt do. I told Wakefield and Associates that I have insurance so why would I go to a medical practice and be billed for something I did not do and my insurance company not cover it? Identity theft was committed and nobody is doing anything about it. The medical practice XXXX XXXX XXXX XXXX XXXX keeps saying the information is accurate which is not! Please help.

Company response to consumer: Closed with explanation