BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
When I first got the car it was with a local car lot, and then they sold my account to XXXX XXXX XXXX without my consent or knowledge. I started dealing with XXXX XXXX XXXX and told them that it would cost more to fix the car then to get another one. They agreed and said they would not tow the car or dont want it since it would cost them more money if they towed it. They are still reporting to my credit as late payments for a car I no longer have and they didnt want to pick up. I want this remove from my credit and the late payments to stop being reported it is predatory.

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 2018-02-14
Company: WELLS FARGO & COMPANY
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We are hoping for assistance to get us back on track with our mortgage. This year has been very tough, starting with a reduction in hours, and then losing my job. With both XXXX and I unemployed, it became very difficult to support our family of XXXX. It was hard but we did our best to keep paying on time but once we were behind, it snowballed. 

We contacted our bank, Wells Fargo, who gave us a list of documents we needed to provide to prove we qualified for help. We sent everything, but when we called, they said they never received it. So we sent it again, hopeful we were on track. This time they said they had gotten it, but it was too late to meet a deadline we didnt know existed! It was strange that the first application that was sent before the deadline was, of course, lost.

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 2021-11-29
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:
. 
These accounts were add without my written consent, I'm demanding all accounts and inquiries be removed immediately. 
They will say the debt needs to be verified first, REPLY. IM THE CONSUMER PURSUANT TO 15 USC 1692 I don't not owe any debts because I'm to consumer. And I'm not obligated to pay I'm XXXX agent pursuant to 15 usc 1602 o I'm the administrative agent I'm not the owner the social security card belongs to the social security XXXX I have to give it back upon request, so therefore, I'm not the owner! I don't own any debt attached to 18 USC 8 will provide that information to you I don't own any debt. 
You're talking to the consumer, they can't validate any debt. To validate a debt is to assess an action, I'm the only one who can validate a debt and it not mines and it's not yours. 
15 USC 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with " neighbors, friends, or associates '' of the consumer reported on or with others with whom he is acquainted or who may have knowledge. 

15 USC 1681a ( e ) it stayed you have to do personal interviews with neighbors, friends or anyone associated with the consumer with is myself '', you guys didn't do that! 

Now under the law my federal consumer rights, according to 15 USC 1681b ( a ) ( 2 ), I'm instructing right now to remove all the accounts and inquiries according to my written instructions I don't consent to any of this being reported, I do not give you guys permission to furnish any of my 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 2022-05-04
Company: Cawley & Bergmann, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I settled a debt with XXXX XXXX bank through a collection agency in XX/XX/2018. I received a collection letter from a new collection agency out of the blue 2 weeks ago. They have no knowledge that this debt was paid or XXXX shows any records of it paid. I am attaching a copy of the original debt, proof of payment and copy of the new collection agency 's letter 5 years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: Experian Information Solutions Inc.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been trying to get in contact with Experian for the last month to gain insight as to why my credit score dropped by 17 points after I submitted a dispute to have 3 creditors removed from my credit. I spoke with someone on the phone at Experian and they stated that I would need to contact the creditors that I wanted to removed in order for this to be resolved. I contacted XXXX  XXXX, XXXX XXXX XXXX, and XXXX XXXX. XXXX XXXX stated that I would have to wait until XX/XX/2025 for the account to be removed. I spoke with XXXX and submitted a dispute and I spoke with XXXX and they also agreed to submit a dispute. I want to submit a complaint against Experian. I attempted to purchase a car today with XXXX XXXX and everything was going just fine until they see that Experian has reported that my car under XXXX XXXX XXXX  was repossessed. The car was totaled back in XXXX and the car dealer stated that in XXXX the car was repossessed. I paid off the rest of the balance with XXXX XXXX XXXX in XXXX and I'm at a XXXX balance. The car dealer said that the account is showing with Experian that it is a non charge off and that the car was repossessed. I have proof from Experian showing that the account has positive activity and that it was charged off and paid off. I have proof that my car was totaled in XXXX. I have been trying to speak with a manager for the last 3 weeks. An american manager because I can't understand their Costa rican managers. Experian isn't taking my situation seriously as no one looked into my credit the first time when I called to ask why was my credit score dropped by 17 points. No one. And now i find out that they are reporting that my car was repossessed. I will be happy to provide all the proof needed. Representatives from Experian have hung up on me and have transferred over to regular reps instead a manager as if they didn't want me to keep track of their names. I have proof of trying to contact Experian on XXXX and they still haven't responded. Please I'm trying to obtain a car for my family. We are in need of a car and have had our most recent car in XXXX totaled. I never thought that credit bureaus would be this neglectful and ill-informed to my credit. Please help review what is going on. Please help me get my credit on track and where it needs to be so that I'm able to purchase a vehicle. Please! I've been dealing with this issue for a month and I don't know where to turn. Thank you very much!

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 2021-07-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent XXXX dispute letters to Equifax, XXXX  and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: SYNCHRONY FINANCIAL
State: PA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/20 I purchased {$520.00} worth of XXXX XXXX  via a website. When I tried to reach the company to receive shipping confirmation, I found out that the website was fraudulent. I immediately contacted the Bank issuing the credit card and disputed the charge. After a good amount of time passed, I received notice from the credit card company that my dispute could not be resolved could because the seller had provided tracking information. I later received a key chain from XXXX which has almost no value. 
I provided this information to the Card Issuer and was told a new dispute would be filed and the charges would be removed from my account. Once again I received a form letter from the Card Issuer saying my dispute could not be resolved because the item ( Key Chain ) was still in my possession. I have disputed this several times and was told each time that it would be resolved, only to receive the same form letter from the Issuer.

I am a victim of fraud and the bank refuses to do anything further to help me.

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 2021-07-23
Company: Healthcare Receivables Group, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX called requested information on file, called XXXX  XXXX to see when where and who. Hospital said the information I was given went to some one elses medical record. Address name and birthdate. Called healthcare i was told they would look into it called XXXX  XXXX  again to see if anything at there hospital was in collections other than the account I already had with a different company ran a diffrent computer check whichs came up empty. This company as of XXXX has added them selves to my XXXX and was already on my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This complaint is in regards to Wells Fargo. I had made many attempts to try to resolve the issues and catching up with my payments with Wells Fargo. However, things are not working out and I am being given a hard time. As I'm trying to make the payments to them I had ran across some difficulties. While I tried and good faith to give as much as I can to Wells Fargo is still was not enough for them. I was promised by Wells Fargo that they will work with me. However, I started to learn that Wells Fargo was doing things behind my back without my knowledge. 



I am facing foreclosure when I thought I was working things out with them. I had some setbacks. One with my young daughter ending up in the hospital in summer and fall, and having to run many tests for months. Back in XX/XX/XXXX I was hospitalized and needed a XXXX XXXX. I was not able to work for a while and slash or do things that I needed to do the job. Causing me to fall further behind on the mortgage payments. I am still in XXXX XXXX after the XXXX. Which I am currently under the doctors care until I completely heal. 



.

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: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I run a small business and I spend roughly $ XXXX $ XXXX per month with American Express . 

Our credit limit is nowhere near where it needs to be to operate efficiently. Every month I have vendors break up our bills and run portions, which are immediately paid off by me, and then have them run the remainders, until our full invoice is paid off. This happens several times every single month. Our vendors are irritated with us as a result. 

Today I spent XXXX hours on the phone with American Express ( again ), trying to increase our credit limit to be somewhere where we can actually operate effectively, all the while being passed along to various " customer service reps '' who tell me that someone else in another department can help me. Finally, I speak to someone whose able to submit an underwriting request to increase our credit limit, and she tells me I need to connect my bank account as part of the credit review process. I explain that we have multiple bank accounts since we use different accounts for different functions. She said this wasn't a problem and to connect them all for the review process. However, I was able to only connect one via American Express ' online portal. I tried to call them back and explain that their online platform couldn't connect with our other bank accounts but while I was on hold my application was declined. 

So now I'm on the phone with them trying to get our application for a limit increase re-opened so I can give them the bank account information that THEY had requested in the first place and they're telling me there's nothing they can do since the application was already rejected and unfortunately that's their " process ''. They did all manage to tell me that they " completely understood '' while suggesting that I should call them back in 3 business days to try again - because that's what everyone has lots of, dozens of spare hours a week to spend with these idiots. 

I have never been late paying a bill. I have a total balance of over $ XXXX in my bank accounts. Annually, I charge about XXXX XXXX XXXXXXXX dollars through American Express, not that it seems like they're particularly interested in that. 

Choosing to go with American Express for our needs was a mistake. They are not business-friendly whatsoever. I hope anyone considering them will reconsider after reading this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have been receiving excessive mail for two different people at the address I 've lived at for several years now, from Bank of America. I 've sent them back unopened, " Return to Sender and eventually " Cease and Desist '', which temporarily resolved the issue but now I have begun receiving credit card offers for these people again today. I finally opened one of them and spent 21 minutes on the phone today trying to resolve it and eventually hung up. I am beyond frustrated in exhausting my efforts and throwing away mail for them as well. They 've ignored my Cease and Desist requests and are now harassing me again and they make it impossible to reach anyone on the phone. I have no business with them and do not receive offers for myself. XXXX XXXX XXXX nor XXXX XXXX do not live at my address and I want the mail to cease immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
In XXXX of 2021, I fell victim to a telephone scam masquerading as the XXXX XXXXXXXX XXXX using the Zelle money transfer service, for the amount of {$3500.00}. I filed a fraud complaint with XXXX  XXXX XXXX, and 60 days later, without explanation, the money was refunded to my account. 

I have since left XXXX and moved my finances to the XXXX XXXX XXXX XXXX, where I tried to reestablish Zelle as a service. I was very surprised to find out that my mobile number and e-mail have been put on a block list by the Zelle corporate entity, Early Warning Systems or https : //www.earlywarning.com. 

My bank, XXXX, tells me that they ( XXXX ) can open access to Zelle to my account, but if there is any future fraud loss, XXXX will be open to severe fines and penalties from XXXX. Furthermore, I am told that consumers using Zelle have no fraud protection whatsoever, and advised that I use XXXX or XXXX. 

XXXX tells me that can not comment and I have to go back to my bank, which tells me the decision was made by XXXX, not them. I am stuck in a loop. 

How are payment transfer companies like XXXX regulated? Or is it a freewheeling company that exists outside of government banking regulations? 

I am pursuing this on social media but wanted to let the CFPB know how consumers are defrauded by this faceless corporate entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: AR
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX 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 Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$460.00} XXXX XXXX  XXXX Balance {$7.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: Big Picture Loans, LLC
State: ME
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
O n   XXXX   XXXX  , 2017, I applied f or a loan fro m Big Picture Loans,  got approved, but was failed to be informed about the interest rate of %  719.9395. I borro wed {$400.00} because I was in a financial bind and needed the money quickly. I can not afford to pay {$130.00 } every 2 weeks until  XX/XX/XXXX ! I   need out of this or I will lose my car or home. I live paycheck to paycheck like most of middle-class  America. I t ook out this loan because it was easy to get approved with bad credit, and they took full advantage of it. I was not informed of a finance charge of {$1300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: MIDFIRST BANK
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
this is the second time iam filing a complain on midland mortage about my mortgage documents.i went back to viginia on XXXXmet up with my wife at XXXX  and we both sing the papper in front of a notary and sing the papper the send me in the mail.theme to california.XXXX XXXX XXXX XXXX XXXX XXXX XXXXand XXXX informend me they delivy theme.on XX/XX/XXXX XXXX am.i also have a tracking # .so i dont know what they are talking about.i was put in to a forbearance be fore they took over my mortgage.they suspose to get me in to a morforcation at the end not trying to take my house that i live in for the last 13 years.they dont care a bout home owener they just want to take my house.like i said.every papper i gave to them some thing is worng with them.my next step is contact. ATTORNEY GENERAL OF PENNSYLVANIA.

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 2021-07-23
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
A week ago, I received several chargeges from XXXX that I didn't order. 
After several fees and double charge, i still had a 59+ balance but my card kept getting declined. 
I have tried several times to make purchases and transfer cash but nothing works. 
I received a direct deposit from my paycheck, and I still can't access my money. 
This started almost 5 days ago, XXXX. 
The cuatomer service number is automated and doesn't give an option for any resolution. 
Please investigate American Express XXXX XXXX, Bluebird prepaid cards, I fear I am being robbed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-25
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I HAVE TRIED ON MANY OCCASIONS TO DISPUTE INCONSISTENCIES THAT APPEARED ON MY EXPERIAN CREDIT REPORT . ONE IN PARTICULAR IS   XXXX   XXXX   XXXX  . EXPERIAN CLAIMS TO HAD VERIFIED  THE ACCOUNT AS ACCURATE HOWEVER I KNOW FOR SURE THAT THIS IS AN ERROR THAT THEY REFUSE TO FIX BECAUSE THE REPORT HAS DATES DURING WHICH I HAD NO SERVICE OR RELATION AND HAS AN OUTRAGES AND INCORRECT BALANCE. EXPERIAN HAS NEGLECTED MY RIGHT TO A FCRA AND LEAVE ME TO BELIEVE THEY HAVE NO INTENT ON CORRECTING THIS ERROR. THIS ACCOUNT SHOULD NOT BE ON MY CREDIT REPORT AT ALL AND NO MATTER HOW MUCH I DISPUTE AND ASK FOR LEGIT/TRUE EVIDENCE EXPERIAN HAS FAILED TO PROVIDE ME WITH SUCH EVIDENCE OR RIGHTFULLY REMOVE THIS FALSE ACCOUNT FROM MY REPORT. THEY HAVE NOT STATED ANYTHING FURTHER OTHER THAN " THE INFORMATION IS ACCURATE '' THEY ARE NOT PROPERLY DOING THEIR JOBS.

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