BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-12
Company: WELLS FARGO & COMPANY
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I took out a loan with Wells Fargo for a swimming pool of {$8000.00}, I set an automatic draft for the payments to be taken out {$130.00} a month, me & my mother have an shared account together with both of our names on this account, Wells Fargo except the account & was taking payments out of the account for about 4 or 5 months, until I got a letter stating that they can no longer take payments out of this account, because my mother was not on the contract with the pool, I did Not need my mother on this contract with me at the time I had a XXXX credit score, this had absolutely nothing to do with my mother, I immediately went to my back & got a certified letter saying that I & my mother are are this account together, I faxed the document to Wells Fargo to show that name is on this account for them to take the payments out, they wrote back declining taking the payments outofy account, I have been back & forth with them on this issue, they closed account with them & runt my credit score, I done everything in my power to get this issue resolved & nothing is working with them, to me this is nothing more than Breach of contract that Wells Fargo has 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 2016-11-06
Company: Atlanticus Services Corporation
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Fortiva refuses to close the account that was created using stolen personal data. A letter was submitted to Fortiva on XX/XX/2016 with the opening of the investigation by my local police precinct. An account was open at both XXXX and XXXX, and were immediately closed on notification by XXXX and the other XXXX credit reporting agencies. Fortiva has refused to close the {$20000.00} credit line.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2021-01-11
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Around XX/XX/XXXX I received a letter in the mail from JP Morgan Chase letting me know all of my checking and saving accounts will be closed and the company chose to end relationship with me, they didnt mention anything about my personal or business credit cards will be closed as well, I tried to reach out to JP Morgan many times and no one gave me a clear answer regarding my accounts being closed. 
I have been with Chase since XXXX and them closing my 5 total credit cards with them really hurt my credit and placed me in a bad position when I was trying to pay for my lunch at Panera, the young lady at the register asked me if this was my wallet or I found it somewhere because I tried to pay with many credit cards and all got declined. 
I have been getting my paycheck really late because my employer uses Chase for direct deposit and because I dont have chase anymore I have to wait 4 business days to get my paycheck. 
Lastly I had almost XXXX points with all of my chase credit cards that I had to take cash for which is only {$8000.00} if I would have used them on travel I couldve got over {$30000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: MD
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 am writing this as a federally protected consumer, with no third party involved. I have been working for months trying to get negative information deleted from my consumer report. I pulled my credit report on XX/XX/2022 from XXXX, XXXX, and Experian and I noticed that all three consumer reporting agencies have different information. I contacted all three consumer reporting agencies MULTIPLE times to have this situation handled. I am tired of waiting months on in for them to " investigate '' and claim that the information has been " verified. '' This is unfair to me as a consumer. This complaint is in regards to my XXXX Credit Card with XXXX XXXX. According to my XXXX report that I pulled on XX/XX/2022 directly from their website, it shows a 30 day late payment in XX/XX/2022 and XX/XX/2022. According to my consumer report from XXXX dated XX/XX/2022 pulled directly from XXXX website, XXXX is reporting a 60 day late payment XX/XX/2022 and XX/XX/2022. According to my Experian Consumer report pulled on XX/XX/2022 directly from Experian website, Experian is reporting a 30 day late payment on XX/XX/2022 and XX/XX/2022. There is a huge discrepancy and shows that this information is unverifiable and therefore inaccurate. 

Pursuant to Fair Credit Reporting Act Section 607b, " Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' This account clearly does not comply with Federal Law. None of the Agencies performed their duties to ensure my consumer report is accurate. Also Fair Credit Reporting Act Section 602 ( 3 ) ( 4 ), " Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and Experian are violating my right to privacy and is being unfair by reporting this erroneous, and inaccurate information to my consumer reports. I am also aware that I am entitled to damages pursuant to Fair Credit Reporting Act Section 616 for willful noncompliance. After multiple attempts of calling numerous customer service representatives and listening to tell them tell me they can't delete this from my consumer report, my patience is completely through. This has caused me a serious amount of stress. I have never received proof of these alleged late payments.

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 2016-04-13
Company: EOS Holdings, Inc.
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
There is a collection company called EOS stating I owe XXXX XXXX which I do not. I have the receipt from when I turned in the boxes. I have fought this several times with no outcome. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: REGIONS FINANCIAL CORPORATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Last year in XXXX or XXXX, I took a vacation to XXXX XXXX. While there, my debit card was compromised around {$1700.00}. I contacted the bank as soon as i was aware, made a claim, and they then stopped and issued me a new debit card. After months of trying to get my money back, the bank denied the claim stating that it could not have been fraud use because the card was swiped and the chip ( and/or ), my PIN number was used. The transactions that were placed were no where near XXXX where I was staying, and yet, they still denied the claim. Last week, I noticed where some travel agency ( appears to be the same people that committed the fraud last year did it once again, but this time only charged my debit card {$99.00} 2 times. I was told I would receive an email and a phone about my claim and complaint about last years claim as well as the current one, and I still have not received either. This is only 4th fraud claim in 10 years, and they have denied everyone of them. I tired pulling my money out of my account in order to open a new account with a different bank, but was told I was not allowed until the claim has been fully investigated and the claims department has made a claims decision.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Experian Information Solutions Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Auto Inquiry XXXX XXXX XXXX XXXX got a copy of your Experian Credit Report. 

XXXX XXXXy Auto Inquiry XXXX XXXX XXXX XXXX got a copy of your Experian Credit Report. 

XXXX XXXX Installment Loan or New Bank Account Inquiry XXXX XXXX got a copy of your Experian Credit Report. 

XXXX  XX/XX/2022 Installment Loan or New Bank Account Inquiry XXXX XXXX XXXX got a copy of your Experian Credit Report. 

XXXX XX/XX/2022 Installment Loan or New Bank Account Inquiry XXXX XXXX XXXX/XXXX  got a copy of your Experian Credit Report. 

XXXX  XX/XX/2022 Installment Loan or New Bank Account Inquiry XXXX XXXX XXXX got a copy of your Experian Credit Report. 

XXXX  XX/XX/2022 Installment Loan or New Bank Account Inquiry XXXX XXXX got a copy of your Experian Credit Report. 

XXXX  XX/XX/2022 Installment Loan or New Bank Account Inquiry XXXX XXXX got a copy of your Experian Credit Report. 

XXXX  XX/XX/2022 Auto Inquiry XXXX XXXX  XXXX got a copy of your Experian Credit Report. 

XXXX  XX/XX/2022 Installment Loan or New Bank Account Inquiry XXXX XXXX XXXX XXXX got a copy of your Experian Credit Report. 

Auto Inquiry XXXX XXXX XXXX XXXX got a copy of your Experian Credit Report. 

XXXX  XX/XX/2022 Auto Inquiry XXXX XXXX XXXX XXXX XXXX XXXX got a copy of your Experian 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 non-monetary relief
Consumer complaint received 2022-03-25
Company: EQUIFAX, INC.
State: GU
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I currently have an auto loan with XXXX. I have been up to date on payments for the last XXXX months. However, it seems that everytime they report my balance information it goes up and down and every the report the balance as increasing Im reported by Equifax and XXXX as being delinquent. 

I went to the bank and questioned it and they said they will look into the issue. I sent an email a month ago and was told it would be looked at by Managment I have yet to have a resolution and have missed payments showing on my credit report which is bringing down my score that I am trying to rebuild.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: Experian Information Solutions Inc.
State: CA
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:
My XXXX XXXX Credit Card says it was late XX/XX/2019 both on Experian and XXXX and XX/XX/2019 in XXXX. 

It was already confirmed by XXXX XXXX that it was a mobile app error. The app was stating there was no payment due, when in fact there was. 

XXXX XXXX has already acknowledged this error, but the late payment is still showing up on 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 2021-01-11
Company: EQUIFAX, INC.
State: CA
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:
My XXXX XXXX Credit Card says it was late XX/XX/2019 both on XXXX and XXXX and XX/XX/2019 in Equifax. 

It was already confirmed by XXXX XXXX that it was a mobile app error. The app was stating there was no payment due, when in fact there was. 

XXXX XXXX has already acknowledged this error, but the late payment is still showing up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On my credit report the bank /XXXX/ send me a Charge off. Midland Funding LLC has the same In collection!!!!! How is possible this???

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: Experian Information Solutions Inc.
State: AR
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:
Its been several months now I have been in consistent contact with Experian consumer reporting agency in regards to fraudulent accounts appearing on my credit file due to identity theft. In addition to my disputes, I have sent an identity theft report from the Federal Trade Commission which included some of the fraudulent accounts and addresses being reported on my credit file. Since I have yet to received any correspondence or original documentation obligating me to any of the fraudulent accounts in question from Experian. Experian has failed to provide 100 % accurate verification as per the Fair Credit Reporting Act sections 605b, 609, and 611. Experian has also failed to provide a block after being notified within 4 business days by a consumer from being a victim of identity theft. As a consumer my rights have an continued to be violated and Experian should be held accountability. Experian has not provided as per the Fair The Credit Report and reasonable and fair investigation within 30 days. This is totally unacceptable and is currently having a negative impact on my financial situation. I recently have been denied credit due these inaccuracies and Experian is liable.

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 2021-04-22
Company: FIRST HORIZON BANK
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XXXX I lost my job and began the divorce process. I fell behind in mortgage payments with First Horizon. In XXXX I started the process of a short sale and had a buyer. Somehow the foreclosure occurred and First Horizon transferred the loan to XXXX. In XXXX I was contacted by XXXX XXXX and was told I was responsible for $ XXXX because of the foreclosure. They offered to settle for $ XXXX over 60 months. I typically made payments on time, faced other financial hardships but ultimately paid it off. I have about 40 late payments on my credit report just because of this. Because of PMI I may not have been financially responsible for the $ XXXX but I paid anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX XXXX XXXX is reporting my XXXX XXXX late XX/XX/XXXX both in XXXX  and XXXX. It shows late XX/XX/XXXX in Equifax. 

This was actually an error by a XXXX XXXX XXXX XXXX employee. I went to go pay the loan and the teller forgot to notate that in the account. I actually sued XXXX and we settled because of this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company is reporting an account on my credit reports that they have refused to verify with me. The company is stating I owe money to XXXX when I do n't. I sent them a validation letter in XXXX 2015 and they responded back asking for more information to identify my account with. I provided them with my name, address, and even a copy of my credit report but informed them I would not be sending them my ssn through the mail for security reasons. They never responded. I sent them a XXXX follow-up letter to which they still never responded. Lastly I sent them a letter demanding removal of the item which they received on XXXX/XXXX/15 and they still have not removed the item but yet continue to verify this with the credit bureaus. This company is in clear violation of the law as they have 30 days to respond to my request for validation and they have yet to do so. I am considering legal action if this is not promptly resolved because it is damaging my credit. By law a company can not report an unverified debt and that is exactly what this company is doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22
Company: Paypal Holdings, Inc
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX XXXX is demanding payment for a debt they allege I owed to PayPal, Inc. in the amount of {$630.00}. I never did any business with Paypal that could have resulted in any unpaid amount to them or XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is using unfair and deceptive practices to collect debts that consumers do not owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-20
Company: WELLS FARGO & COMPANY
State: MO
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
We use our Wells Fargo Credit Card monthly and pay off monthly. In XXXX I paid half of the full amount that would be due XXXX XXXX and intended to pay the rest before the XXXX XXXX due date so as not to incur interest charges. My husband did n't know I only paid half and continued using the card for his business purchases. On XXXX his business purchase put us over the credit limit by {$72.00} which they told me is a courtesy. I understand, that 's great so as not to cause embarrassment, etc. But the company allowed NINE more days and XXXX more transactions to occur, putting the account at {$1200.00} over the limit!!! We receive NO PHONE CALL, NO LETTER, NO NOTICE, NO EMAIL, NOTHING and they closed the acct on XXXX/XXXX/16. On XXXX/XXXX/16 I paid the other half of the remaining balance for the 30 day charging window, bringing our balance to zero for that payment period. The remaining balance will be due XXXX/XXXX/16 and is under the credit limit. Under the terms and agreements for this card, no where does it state that they will close the account if it goes over the limit. Wells Fargo DID NOT notify us as they stated they did in a letter they mailed out on XXXX/XXXX/16, the same day they closed our account. We received the letter on XXXX/XXXX/16. How can a credit card company allow transactions to occur when the card goes over the limit!? Every card we have ever had, does not allow you to go over repeatedly once a transaction puts you over the limit. It declines further transactions. Wells Fargo Bank NA does not do business well, and they do not return phone calls. I have left XXXX messages on XXXX of the main managers voicemail who would handle this. No one calls me back. I will never EVER do business with Wells Fargo again. How ironic that we have never had any problems like this until after our Wells Fargo Home Mortgage loan was paid in full and all we had left with their company was this credit card. They are deceitful and do not communicate well with their account holders. XXXX XXXX XXXX BANK IS THE BEST.

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 2022-10-12
Company: CURO Intermediate Holdings
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
this company AD ASTRA RECOVERY SERVIC HAVEN'T GIVE ME A CONTRACT I SIGN WITH THERE COMPANY I WANT A DOCUMENT WITH THERE COMPANY NAME AS A HEADER WITH MY SIGNTURE THAT STATE I OWN THEM ANY AMOUNT AND IF THEY CAN'T GIVE ME THAT DELETE THE ACCOUNT WITH ALL CREDIT COMPANIES NOW

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-17
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello, CFPB. I am writing to you today to report multiple violations to the Fair Credit Reporting Act committed by Wells Fargo. My account information is the following : Wells Fargo Home Mortgage account # XXXX, opened : XX/XX/2017, original balance {$380000.00}. 

Wells Fargo is reporting a late payment on this account. This is a BANK ERROR. I made my payment on time and now they are stating that my payment was applied to another account that does not exist. They were unable to explain the reason why I have 2 profiles on their system. Also, they did not update my personal information ( phone number ), stating that they were not able to do it by phone. 

This company is being negligent an unfair by reporting a late payment on my account that shouldt be there. They are being NEGLIGENT, UNFAIR, they have failed to conduct a reasonable investigation on my account. 

This issue is highly affecting my health, and my score cant go up because of their error! I've lost, and several lines of credit I've been turned down for because of this issue. 

Please send the attached documents to 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