BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-25
Company: Experian Information Solutions Inc.
State: CA
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. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS ans 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 explanation
Consumer complaint received 2020-01-17
Company: Credit Bureau Collection Services, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company continues to contact me about debt they claim that I owe to XXXX XXXX. After numerous conversations and calls I have 2 different reference # s from XXXX XXXX stating I do not owe them money and my account is closed and in good standing. The error was on their part as they credited it to the wrong account. XXXX XXXX also stated that the creditors contacting me are not agencies that they work with and have never heard of them. They feel some of these companies are fraudulent. 

XXXX XXXX reference # 's stating that my account is in good standing with a zero balance XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25
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: Information belongs to someone else

Complaint:
I HAVE CONTACTED EQUIFAX MULTIPLE TIMES AND THEY HAVE FAILED TO INVESTIGATE MY DISPUTES. IVE PERSONALLY WENT TO A NOTARY AND NOTARIZED ALL MY PAPERWORK LETTING EQUIFAX KNOW THAT I AM THE PERSON DISPUTING THESE FRAUD ACCOUNTS ON MY CONSUMER REPORT! THEY HAVE FAILED TO UPHOLD THE CONSUMER LAW! EQUIFAX IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 ( A ) ( 4 ). EQUIFAX HAS NO PERMISSION TO REPORT ANYTHING USING MY INFO WITHOUT MY WRITTEN CONSENT PURSUANT TO 15 USC 1681B. THEY HAVE BROKE THE FEDERAL CONSUMER LAW!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: WELLS FARGO & COMPANY
State: RI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have already filed XXXX complaint case # XXXX. I have received a satisfaction of judgement since the account has been paid off since XXXX, but the problem is they ( Wells Fargo ) have never reported it as a judgement, they have reported it as a collection account all along. I tried putting a dispute through the XXXX credit bureaus but they denied all XXXX in beginning of XXXX for an account paid in XXXX. I need a letter from Wells stating that the collection has been paid so I can get it fixed on credit, the satisfaction of judgement references no account number and does not show on credit report as such. I have called SEVERAL times once again and they keep giving me the run around. I need a letter that matches what they reported on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Portfolio Recovery for committing identity theft. I have never given Portfolio Recovery any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Portfolio Recovery can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Portfolio Recovery continues its collection efforts, I will file for litigation for actual damages caused and Portfolio Recovery will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt if the documents herein and of this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention are both requested and required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have been banking with SunTrust for several years, SunTrust and BB & T have merged and Since XX/XX/XXXX I have had nothing but problems! Banking app is not showing all transactions, I had to call on the XXXX, XXXX and now will have to call on the XXXX. My husband and I each have a debit card, if he uses his and I use mine, .and transactions are not showing up on the mobile app I can't keep up with the balance. On.the XXXX I was on the phone for XXXX minutes and was hung up on, called back again, on hold for XXXX XXXX minutes to ask why my payment to XXXX XXXX XXXX was not showing..This was a debit and should have showed up immediately, was told by XXXX that they could see the payment on their end but it was not showing that it was paid. Today is XX/XX/2022 and debit is still not showing. Husband brought groceries today at XXXX 's XXXX XX/XX/XXXX used his debit card at around XXXX p.m still not showing up on mobile app, will have to call them again tomorrow XX/XX/XXXX and hold time will not be less than one hour. Branches forTruist are not taking phone calls at all. Left a message with branch in XXXX, Florida on the XXXX no return call today XX/XX/XXXX. I DON'T KNOW IF MY BILLS ARE GETTING PAID SINCE THEY ARE NOT SHOWING UP ON the APP! Certainly can not stay on hold for an hour or longer to be told that they don't know what the problem is. Husband works out of town and I do n't drive to get to a branch!!! These problems with the merger are on the news, XXXX, XXXX and XXXX. Someone has to help the customers!!! I receive Social Security and hearing horror stories from other customers that they did not get their direct deposit because the routing numbers and account numbers were changed. We all received letters stating that routing and account numbers WOULD NOT BE CHANGED. This bank is a complete mess. We live in a rural area of XXXX Florida and there are not really any other banks other than Truist around us. Please help?????

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 2017-03-13
Company: Miller, Stark, Klein and Associates
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have been receiving multiple calls from XXXX at Miller Stark Kline. They claim that i have 3 complaints against for a debt and want my social security number to verify its me. I refused to give this information over the phone for identity theft concerns and asked that it be sent to me in writing. At first, they refused and indicated that they did not have to send it writing. I said that I have no knowledge of any debts being owed that I would have to verify -- the woman began speaking over me and said that this was a mediation. I advised her that I was an attorney and that this was NOT a mediation and she was not following proper procedure to collect a debt. At which point she hung up. She then called back a few minutes later and wanted my address. I said, if you have debt that I owe you have my information and address. She then said she would see me in court again and hung up. I have no problem paying money that is owed. However, I have been up to date on all of my bills for a number of years and I have no knowledge of any debts being owed. It is also improper to have not written communication about a debt and instead a violent phone call demanding information. This seems to be violation of the FDCA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: WELLS FARGO & COMPANY
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
WELLS FARGO committed so many acts of treason and regulation violations stacked on top of each other XXXX after another after another it was like a machine XXXX was aimed at my head and it was consumer assault all the way. The fees of their mistakes and misgivings have cost me countless amounts of terror nights, waking up next morning to see that they took out a XXXX dollars and I realized once I was idenitity theft years prior and they knew it they were having fun taking advantage of my issues and kept piling on to my hurt. Scary, obscene and often consumer XXXX like.

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 2022-02-25
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2020-01-17
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: Their investigation did not fix an error on your report

Complaint:
I disputed a Bankruptcy with Equifax on XX/XX/2020. They verified and sent me the results within two days. I faxed them my proof their information was not correct. I faxed them my letter from the Bankruptcy court stating they do not verify information with credit bureaus. I also enclosed my results from their third party vendor that verifies Bankruptcy. XXXX deleted the Bankruptcy as unverifiable. Since Equifax gave me my results before they uploaded my proof I know it was not verified. Also I requested a method of verification be sent as prescribed in 611 ( a ) ( 7 ). I have not received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: TRANSWORLD SYSTEMS INC
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I am currently trying to refinance my home. After talking to a lender I found out that I have a judgement against me that I did not know about. After trying to find out more information about the debt, i.e. going to the courthouse to find the claim, calling the creditor themselves ... We could not obtain any information on this debt. We contacted XXXX and they stated that they did not have any information on this judgement and they directed us to a lawyer office which turned out to be a dead end because it is just a recording with no number to reach anyone. We have tried to contact them several times. I have not received any letters about this judgement or any other forms of contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America has reported to the credit bureaus I was late 120-180 days mortgage payments for each XX/XX/XXXX-XX/XX/XXXX. Contacted them and they asked for bank records that dispute their reporting. I provided it XXXX/XXXX/XXXX and they responded that they were not going to change their reported although the bank records indicated I was on time and actually a month ahead by mid XXXX. They suggested we take it up with the credit agencies. This has not only impacted my credit score buy my ability to secure another home. Currently trying to contact XXXX, XXXX, and XXXX to mitigate the negative situation. Numerous attempts with BOA failed to achieve any resolution. Will never do business with them again.

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 2020-01-17
Company: Webcollex, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2019 I called CKS Financial to discuss a debt that was owed to XXXX XXXX XXXX XXXX ( XXXX Credit Card ). That day I spoke with 4 different customer service representatives on 4 separate phone calls. I had previously called in numerous times and I was told several different answers to the same question. I was concerned with this debt being removed from my credit reports and on some occasions I was told yes, it would be deleted ( removed from all 3 credit bureaus ) after payed and then on some occasion I was told it would not be deleted. On XX/XX/2019 I was told that it would be deleted upon satisfying the debt so I decided to satisfy the debt. I was told by 2 different customer service representatives that it would be deleted once it was payed and that " they do things differently now as in, in the past, this was not an option but now it is ''. I took a leap of faith and was hoping that I was being told the truth. Now, a month later and the amount is updated to " paid '', my credit score has dropped yet again due to this company reporting on the payment and after a dispute with all 3 of the credit bureaus, it has not been removed. I feel as though this company took advantage of my willingness to satisfy the debt and took advantage of me in that moment. This company was deceitful in their tactics to collect from me. 

CKS accound ID- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: EQUIFAX, INC.
State: CA
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 certified mailed a letter informing XXXX, Equifax, and XXXX of the identity their and the accounts that are not mine. Along with the letter I have sent them a police report, the a copy of your FTC Identity Theft Report, a government-issued ID with a photo, proof of your address, social security card and Notice to Furnishers of Information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
CREDIT COLLECTION SERVICE is attempting to coolect a debt from me that I paid off already. XXXX was the original debtor. The account number is XXXX. 

The reference number for the file is # XXXX. 
The confirmation # is XXXX. 
The psyment was {$190.00}. 

This account has been paid in full.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: Platinum Holdings Group, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
XXXX XXXX is attempting to collect a debt from a company I know nothing about. She threatened me and stated " she was going to contact my employer and there was a warrant out for my arrest from check enforcement. I asked for her to submit a document to show I owe this debt but was unsuccessful. She calling from XXXX. Not sure what to do becuase she harassing me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was in bankruptcy and I had it discharged so XXXX decided to go thru this company called XXXX XXXX so as on XXXX 2015 I had been givingthem {$1200.00} a month to remodify my mortgage loanWell somewhere along the line someone droppedThe ball so now my home was sold and now I haveAn eviction ... what can I do

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: CITIBANK, N.A.
State: NY
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:
My name is XXXX XXXX and I ordered multiple items from XXXX on XX/XX/21 on my Citi credit card ending in XXXX XXXX for {$350.00} for an unpainted XXXX bumper and radiator cover XXXX for {$830.00} for a fully assembled XXXX bumper with sensors XXXX for {$890.00} for driver side headlight XXXX for {$910.00} for passenger side headlight I disputed both charges for the headlights XXXX and XXXX Citi essentially rejected the charges out of confusion is my guess. 

I received a letter stating I already received a refund of {$830.00} and {$100.00} which is more than the amount in the first dispute of XXXX so the investigation is " complete ''. 

This is false because the refund I received are from the other transactions I mentioned above. XXXX from the front bumper for XXXX and XXXX from a partial refund from the radiator cover for XXXX. The previous refunds has nothing to do with the driver side headlight for XXXX which is the charge I disputed ( dispute XXXX ) for it being delivered to me broken, and not as described in the XXXX listing. I provided them with a very detailed report with what was wrong like the mounting tabs being broken. I tried contacting the seller through XXXX with no response, which is why I resorted to a credit card dispute/claim only for Citi to not pay attention to my charges and reject the claim. 

For the dispute of {$910.00} ( XXXX ) which is the passenger side headlight, which came in fine at first until it rained just a day or so after having it installed, which is when I realized the entire headlight was full of water meaning the waterproof seal was damaged. also noticed the daytime running light on the bottom of the headlight wasn't lighting up all the way to the corner properly. same situation with XXXX they were unhelpful, and I couldn't get a return label or return authorization from the individual seller. the seller responded to citi with only the tracking number showing it was delivered, which is not the problem, the problem is that the headlight is leaking with water, which caused my headlight ballast and HID bulb to get damaged in the process. 

Due to Citi 's lack of research they reversed the conditional credit of XXXX because of unrelated refunds from the same merchant which is XXXX. 

As well as reversing the {$910.00} conditional credit even though the claim is still ongoing for the damaged item even though the only thing the seller responded with was the tracking number.

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 2020-01-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/2020 USAA Reps informed me they could not verify me because I could not tell them the number of a card I have never had possession of which has a balance of {$200.00} I HAVE NEVER HAD THIS CARD AND CAN *NOT GET VERIFIED TO REPORT THIS TO USAA * THIS HAS NEVER BEEN IN MY POSSESSION I HAVE NO ON LINE ACCESS EITHER This card has a balance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I work for my family business and was given checks to deposit into my own account as it is my wage. I showed the bank the paystubs, w2, and payroll register of the company to show that the checks were written to me and verified by both the owner and CPA. Chase however decide to restrict my account and took my money for both the check deposit, cash deposit on ATM and all my money in the account. I use that account to pay bills and now i am unable to pay bills because they thought the checks were fraudulent. I have went to branch to clear this out but it was no help. 

XXXX in check on hold and {$1400.00} cash on hold from atm deposit that was a loan from a family so I can pay mortgage for this month. 

Total balance on lock is {$6400.00}.

Company response to consumer: Closed with explanation