BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-25
Company: Experian Information Solutions 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:
XXXX XXXX .... {$300.00} ... XXXX XX/XX/XXXX ... .Please provide original documentation from this company or parent company where I allegedly signed or e-signed asking for a credit account. It has been multiple times explaining that this was not me. Original documentation has not been sent yet. Please do not send copies of a bill I explaining that my identity was compromised XXXX   XXXX XXXX .... {$300.00} ... XXXX XX/XX/XXXX ... .Please provide original documentation from this company or parent company where I allegedly signed or e-signed asking for a credit account. It has been multiple times explaining that this was not me. Original documentation has not been sent yet. Please do not send copies of a bill I explaining that my identity was compromised XXXX   XXXX XXXX  .... {$300.00} ... XXXX. XX/XX/XXXX ... .Please provide original documentation from this company or parent company where I allegedly signed or e-signed asking for a credit account. It has been multiple times explaining that this was not me. Original documentation has not been sent yet. Please do not send copies of a bill I explaining that my identity was compromised XXXX XXXX, XXXX ... XXXX XXXX XXXX XXXX ... XXXX {$430.00} ... .I am a XXXX XXXX XXXX veteran, all of my care is FREE from the V.A. Clinic. There is no reason for me to go to a private urgent care clinic. Please provide original documentation from this company or parent company where I allegedly signed or e-signed when i was seen. Please do not send copies of a bill I explaining that my identity was compromised. 

XXXX XXXX XXXX XXXX .... {$670.00} ... .XX/XX/XXXX ... .I have had XXXX XXXX for years. Please provide original documentation from this company or parent company where I allegedly signed or e-signed asking for a cable account. Please do not send copies of a bill I explaining that my identity was compromised. 


UNKNOWN INQUIRIES ACCESS/XXXX ... .XX/XX/XXXX ... .I did not give permission for this company to run inquiries on my credit report. Please provide dates and times where I gave permission to run a hard inquiry on me. Please provide original documentation from this company or parent company where I allegedly signed or e-signed asking for inquiries to be done. 

XXXX/XXXX  ... ..XX/XX/XXXX ... .I did not give permission for this company to run inquiries on my credit report. Please provide dates and times where I gave permission to run a hard inquiry on me. Please provide original documentation from this company or parent company where I allegedly signed or e-signed asking for inquiries to be done.

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 2018-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In late XX/XX/XXXX, I received a letter from Bank of America alerting me that my Credit Limit had been decreased from {$4000.00} to {$2200.00} due to a delinquency in the account. I was extremely confused by this as the payments are automatically sent every month by XXXX XXXX XXXX. I called Bank of America and was informed that the account was considered delinquent because my last payment was late and I was hit with a {$27.00} late fee and they are unable to waive the fee. The agent I talked to stated that the due date was on the XXXX for that month. Normally the due date for Bank of America is on the XXXX. There was no holiday or any reason for the due date to have been moved that month. The agent was perplexed by this and could not offer a reason why the due date was moved up. 

By having the due date moved up ( without consent ) my payment was considered late which triggered a late fee and made the account delinquent per Bank of America. This also caused the account 's credit limit to be sharply cut as well. BoA has offered very little to assist in this and I am submitting the complaint to the CFPB as the due date should never have been changed and was utterly unacceptable.

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 monetary relief
Consumer complaint received 2022-09-11
Company: TRUIST FINANCIAL CORPORATION
State: MI
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:
On XX/XX/22, I filed a complaint # XXXX with the CFPB concerning the reporting of an old account from Sheffield Financial . Part of my complaint was that I had requested the payment history. 
It has been far past the 30 day limit and as of XX/XX/22, Sheffield Financial has NOT provided the payment history for the account they have been reporting. Because doing so would prove my claim. 
This account MUST be deleted for at least 3 reasons :. 
1. It's been more than 7 years since the last activity on this account 2. Sheffield has failed to respond timely to my request on XX/XX/22 for the payment history, and the most reckless and fraudulent act. 
3. Sheffield filed a 1099-C against me to the IRS for {$12.00}, XXXX. This amount included all interest and fees which is illegal and considered a fraud against me and a fraud against the US Government. I have no idea how Sheffield came up with this amount since for the past 7 years the balance they have been reporting was 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 explanation
Consumer complaint received 2021-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
These inquiries were not authorized. Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I did not consent to, authorize nor benefit from any of the following inquiries that were placed on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, I was hired by XXXX, Director of Employee Compliance to work at XXXX XXXX. I was told I needed a company computer and equipment to work from home until the company moved here in 3 months. I was sent a check for for XXXX. I put the check in XXXX XXXX 's account because withdraws were coming out of my account and I did n't want that to interfer with the company 's check. I put the check in Chase bank on XX/XX/XXXX and they held the check until XX/XX/XXXX. On XX/XX/XXXX, I bought equipment from XXXX XXXX for XXXX, XXXX XXXX for XXXX. On XX/XX/XXXX I bought equipment from XXXX XXXX for XXXX, and XXXX XXXX for XXXX. I check returned to Chase on this same day. I called customer service, they said they didn ' know why. I later believed it was a fraud and called Consumer Protection Services to verify. The lady said it was employee fraud and immediately put a fraud alert on the account with Chase. Chase customer service supervisors were rude and demeaning. The supervisor said the check must have " slipped by someone '' and I found out today that a business in the amount of XXXX should not have been applied to a student account. If all these measures would have been taken the check would have been denied and this would have protected XXXX XXXX 's account as a consumer at Chase. Instead they refuse to give information for me to escalate my concerns. The fraud department will put me on hold and never come back to the phone, and this bank takes no responsible in the negligent behavior displayed by this bank. Because of this I would like the amount of XXXX to be waived due to negligence on part of Chase Bank. The check should have never cleared and a business check should not have been accepted into a Student Account. If you would like anymore information I have to reference number where I filed a complaint with XXXX XXXX and the Consumer Protection Services, XXXX reference numbers receipts and communication from theses perpetrators. The address of the Chase Bank is XXXX XXXX XXXX XXXX XXXX, Texas XXXX. My email is XXXX. Thank you in advance for helping me with this unfortunate matter. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: WESTERN ALLIANCE BANCORPORATION
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a voicemail on  XXXX / XXXX /   17  @  XXXX    XXXX   from Western Alliance Bank which mentioned they are attempting to reach me about a payment due on my   XXXX   XXXX   Account ; the message was a robot call ; which never Identified me by name nor did it read the Min i Miranda w hile listening to the message via my Blue Tooth thru my speakers in my automobile in the presence of my co-workers. I was very embarrassed and I also felt harassed at the same time. Afterwards, on  XXXX / XXXX /   17  I called their Customer Service Number at #  XXXX  and I spoke to a Rep named  XXXX  who successfully transferred me to a Supervisor named  XXXX . I expressed my concerns to  XXXX  that i felt violated by the verbiage in the message which made mentioned of my account & my payment is due.  <P/> At the time of the robot c all may to tal balance was {$210.00} for which i make monthly payments online. I did mention to her that i was not running from my responsibilities and my nearl y two yea r payment history of $  XXXX /Month should reflect it.  XXXX  agreed to pass along my concerns over to  her Superior and/or Compliance De partment.  XXXX  did call me back by the end of the same day to confirm message was passed along to the proper area.  <P/> On  XXXX / XXXX / 17  after no returned calls, I called and i left a message with an other Rep. On   XXXX / XXXX / 17  I spoke with  XXXX   XXXX   XXXX   ( O verseas total operation ) he proceeded to confirm he was aware of my concerns and he feels that no violation t ook place & i w ould be happy to send the Terms & Agreements of my contract that i agreed to receive calls. I advised him that per the FDCPA and TCPA the violation was about the content/verbiage of the robot call ONLY and i was owed $  XXXX  - $  XXXX  per violation.  XXXX   XXXX  proceeded to brush me off several times and he continued to offer the Terms & Agreements again. I did offer to provide a copy of the message as proof of said violation.   Finally, we disagreed on the outcome the call with zero resolution from their end.

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 2022-09-11
Company: EQUIFAX, INC.
State: MI
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:
On XX/XX/22, I filed a complaint # XXXX with the CFPB concerning the reporting of an old account from XXXX XXXX XXXX Part of my complaint was that I had requested the payment history. 
It has been far past the 30 day limit and as of XX/XX/22, XXXX XXXX has NOT provided the payment history for the account they have been reporting. Because doing so would prove my claim. 
This account MUST be deleted for at least 3 reasons :.

1. It's been more than 7 years since the last activity on this account 2. XXXX has failed to respond timely to my request on XX/XX/22 for the payment history, and the most reckless and fraudulent act. 
XXXX. XXXX filed a 1099-C against me to the IRS for {$12.00}, XXXX. This amount included all interest and fees which is illegal and considered a fraud against me and a fraud against the US Government. I have no idea how XXXX came up with this amount since for the past 7 years the balance they have been reporting was {$11.00}, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: Experian Information Solutions Inc.
State: MI
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:
On XX/XX/22, I filed a complaint # XXXX with the CFPB concerning the reporting of an old account from XXXX XXXX XXXX Part of my complaint was that I had requested the payment history. 
It has been far past the 30 day limit and as of XX/XX/22, XXXX XXXX has NOT provided the payment history for the account they have been reporting. Because doing so would prove my claim. 
This account MUST be deleted for at least 3 reasons :. 
1. It's been more than 7 years since the last activity on this account 2. XXXX has failed to respond timely to my request on XX/XX/22 for the payment history, and the most reckless and fraudulent act. 
XXXX. XXXX filed a 1099-C against me to the IRS for {$12.00}, XXXX. This amount included all interest and fees which is illegal and considered a fraud against me and a fraud against the US Government. I have no idea how XXXX came up with this amount since for the past 7 years the balance they have been reporting was {$11.00}, 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 2017-06-15
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I came out if my deferment period in XXXX 2017. I attempted to negotiate income based payments but was denied and issued threats to go after my co-signer. While trying to negotiate payments over a period of 4-5 days, and being sent in circles, I was able to apply for forbearance which lasted until XXXX. When I tried to re-apply for my second term of forbearance, beginning XXXX, the company withdrew a payment and set my forbearance to begin in XXXX. I am unable to make payments and have no ability to negotiate my payments. Interest is accruing and Navient has been more than dismissive.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In  XXXX  I was a guarantor on a business credit card for  XXXX   XXXX   XXXX . They and myself were unable to pay the {$20000.00} credit card at that time. In  XXXX   Wells Fargo  sold the debt after they charged it off to   XXXX   XXXX  . In  XXXX    XXXX   XXXX   ability to sue me for the debt cease under TX statue of limitations. They may still be able to go after  XXXX   XXXX  if the company still has assets. It is my understanding it does not.  XXXX   XXXX  they sent me a collection letter claiming they have the right to demand payment from me despite the debt being time barred from collections under TX law. They are also attempting to collect {$28000.00} instead of {$20000.00}. This may be business debt but I am still a TX resident and they have no ability to sue me under TX statue of limitation laws.

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 2021-10-28
Company: EQUIFAX, INC.
State: LA
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 have noticed some incorrect accounts and inquires showing on my credit report. According the FCRA code 15 U.S. CODE 1692e- false or misleading representation. This is a serious violation and I am requesting for you to delete immediately to avoid legal actions for violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I opened an account with Lowes online. They sent card to wrong address. I called them after 10 days because I had not received card. They told me it had been activated and had XXXX  dollars worth of charges on it. I explained to them that I never received card. They told me they would take care of it and sent me new card. I called back when I received new card. Charges were still on my account and no one knew anything about it. So I again went thru the process of filing about fraudulent claims. They refuse to give me confirmation number or email. I have not received anything in mail about it. Charges are still on my account. 

I had not even activated account when these fraudulent charges happened. So I dont have anything to upload.

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 monetary relief
Consumer complaint received 2022-03-31
Company: FIRST MERCHANTS CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 I called about charges that was on my account after the services was canceled. My dispute started on XXXX XXXX when I signed the dispute form. On Thursday XX/XX/2022 XXXX from the dispute/fraud department called me interrogating me and threatening charges that I didnt do. Even though she had all my documentation. It is now XX/XX/2022 I havent seen my credit at all to my account and I been sent over documents to support my claim on MULTIPLE DAYS. XXXX seem to be XXXX and accusing me off things SHE THOUGHT. I would like higher up to listen into that call. But under the regulation E it states my provisional credit should be provided

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: T.S. Holdings
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
IQ Data International called me in XXXX stating I owed a debt from XXXX from an old apartment. It is now XXXX. They demanded that I check my credit score and tell them my credit score, apply for loans, take out tax advance loans or other forms of loans/debt to pay them. They kept me on the phone for long periods of time and hold times to harass me and bully me. 

They added over {$400.00} interest supposedly to this debt which I do not know if it is legal. I have paid them {$50.00} plus an additional {$70.00} in XXXX. 

They called me today XX/XX/XXXX stating the payment declined and that I needed to pay today or further action would be taken and it would be escalated. I advised the rep about personal things happening in my life and I needed to talk to an attorney possibly about this. I also said I was going to the hospital for an emergency and she wanted to keep me on the phone saying that did not matter. She also told me I was threatening her with an attorney and needed to take care of this and that I agreed to it. Someone else got on the phone after placing me on hold and said I need to file my taxes and that it only takes 25 minutes and I need to call by Monday at XXXX or escalation would take place. 

Prior to todays phone call, I asked them to mail me a copy of the debt which they did. I actually got it in the mail today. I am disputing the cleaning charge, carpet cleaning charge, stain removal charge. We moved out of that apartment and it was very clean and tidy. 

I emailed them asking to no longer contact me by phone today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: AMERICAN EXPRESS COMPANY
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
All though out the start of the Covid outbreak all the way to XX/XX/XXXX when I paid the account in full. American Express has consistently engaged in questionable and overly aggressive tactics and threats as it relates to my account they closed and for no reason our cause. They continued to draw funds from my account after advising them the account had changed and providing the information verbally due to the limitations on there web site to make the change myself. My wife is a XXXX XXXX and caught XXXX the early part of this year and in XXXX my father passed due to the XXXX. When I called in XXXX and XXXX to explore what options. I could literally hear someone laughing in the background as I was explaining my concerns trying to prevent negative information during the pandemic. I was hung up on, several times as I tried to work with American Express. Finally I ended up taking on three jobs just so I could pay the debt off, because the last call I received a man with a thick accent threatened to turn the account over to a third party if I didnt pay within 24 hours and he was so demanding and aggressive. I have never experienced anything like this before and I know American Express does not operate under these types of values, so I was shocked that with how hard these last two years has been on everyone. The was I was treated when trying to ask for help during this world disaster is just eye opening to be honest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: Credit Technologies, Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
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  Please remove these inquiries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation